davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (NY)

I submitted an application to the SAVE program on XX/XX/XXXX on the studentaid.gov site. XXXX reported this application as received on XX/XX/XXXX. The monthly payment amount listed under the SAVE plan is {$280.00}.

Edfinancial ( my servicer ) transferred my account to their new platform on XX/XX/XXXX, listed a payment amount of {$510.00}, due on XX/XX/XXXX. On XX/XX/XXXX, I received an email that I had new messages regarding my student loans ( attached ). These messages asked me to recertify my XXXX plan, but did not acknowledge my SAVE application. 

I uploaded my XXXX tax return to Edfinancial 's site, even though they should have already received it as part of my SAVE application. I also emailed Edfinancial multiple times, using the form on their site, asking for information about the status of my SAVE application, and requesting that my loans be placed into forbearance if they could not process the application by the payment date of XX/XX/XXXX. I received no response to any of my emails. 

Having heard nothing from Edfinancial, I telephoned the servicer on XX/XX/XXXX. When I spoke to a representative, I was told that Edfinancial had never received my XXXX application, but they could begin processing a new application immediately if I paid a {$5.00} fee. I did so ( the confirmation email is attached ). I asked about putting my loans in forbearance until the application was processed, and was told that Edfinancial would not do that, and that due to the " on ramp '' this would not matter. I did not, and do not, believe this to be the case, because I will still have a larger amount past due at the end of the " on ramp '' period than I should under the SAVE program. 

On XX/XX/XXXX, I reviewed my account to see that not only did Edfinancial not put my loans into forbearance or acknowledge the existence of my SAVE application, but they have increased my payment amount for XXXX to {$950.00}. I have received no correspondence from Edfinancial explaining why my payment nearly doubled, and is almost 4 times what it should be under the SAVE plan.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2024-06-24
Product: Credit reporting 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)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

PLEASE BLOCKED AND REMOVED. 
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.
Consumer complaint received 2022-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

When I apply for credit related things it comes up I am deceased. But for state and federal filings it does not it seems. My father passed away 14 years ago and since then alot of credit things of his and mine have been mixed or me reported dead. I was told you can help with this.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is my first endeavor 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. 
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 2023-03-16
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: EQUIFAX, INC. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX US DEPT ED XXXX Balance Owed : {$480.00} US DEPT ED XXXX Balance Owed : {$1000.00} XXXX XXXX
Consumer complaint received 2024-06-24
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. (LA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-06-19
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. (TX)

XXXX XXXX XXXX XXXXXXXX has continued to violate the FCRA on numerous occassions by knowingly entering harmful information that intentionally harmed my credit file! I was reported on multiple credit reporting agencies by them as a monthly CHARGE OFF with a OUTSTANDING BALANCE from XX/XX/XXXX until XX/XX/XXXX! 
XXXXXXXX XXXX XXXX XXXX SOLD my CHARGE OFF account to the COLLECTION AGENCY to COLLECT the Outstanding Balance who also placed a COLLECTION ACCOUNT on multiple credit reporting agencies during the same exact time to cause me harm and put pressure on me! On XX/XX/XXXX, I settled my collection with for {$370.00} and ( SETTLED IN FULL AND IMMEDIATELY DELETED )! XXXX, XXXX XXXXXXXX XXXX  has written off {$550.00} and placed ( Settled for LESS THAN FULL Balance )!
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I XXXX have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

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 2024-06-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION (GA)

There are several inaccurate accounts on my credit report that I have tried to address with the actual creditor, collection agency, and credit bureau they have ALL failed to provide me with the requested information. I am now seeking to summon them ALL to small claims court to assist with rectifying the situation. I have asked them numerous times and they have ALL stated that they have verified this account belongs to me without providing proof as requested. This is causing me great stress and if this is not fixed asap, I will be suing ALL.
Consumer complaint received 2023-12-19
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (AZ)

Description of the Incident : Between the payment made on XX/XX/XXXX  and the subsequent payment on XX/XX/, there was a misunderstanding regarding the outstanding balance on my auto loan with Wells Fargo. 

On XX/XX/, I mistakenly paid the regular installment, unaware that the billed amount included a past due balance from XX/XX/. I rectified this error by paying the full outstanding balance on XX/XX/. Furthermore, I settled the entire loan on XX/XX/. 

Actions Taken : XX/XX/XXXX  : Initial payment made. 
XX/XX/XXXX  : Partial payment made, misunderstanding the billed amount. 
XX/XX/XXXX  : Full outstanding balance paid. 
XX/XX/XXXX  : Loan paid off entirely. 
XX/XX/XXXX  : Sent a goodwill letter to Wells Fargo seeking resolution. 

FCRA Notification : Per the Fair Credit Reporting Act ( FCRA ) page 92, sub section 7 ( B ) ( i ) " ( B ) Time of Notice ( i ) In general. The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). '' Wells Fargo is mandated to notify me within 30 days of submitting negative information to credit agencies. However, as of XX/XX/, I have not received any such notification from Wells Fargo regarding the reported late payment. 

Billing Statement and Resolution Efforts : Efforts to rectify this included the partial payment on XX/XX/, followed by a full payment on XX/XX/, and the complete settlement of the loan on XX/XX/. Additionally, a goodwill letter was sent to Wells Fargo on XX/XX/, seeking resolution regarding the reported late payment.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: NAVY FEDERAL CREDIT UNION (SC)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

Please see attached file for these items I am complaining.. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MI)

When I reinvestigated my credit report, I realized that some of the information was erroneous. The Equifax is required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Balance : {$870.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX XXXX XXXX Balance : {$3700.00} XXXX XXXX XXXX XXXX Balance XXXX {$1100.00}
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I'm trying again to let you know that I'm a victim of identity theft and that I want to challenge some records in my file that were not lawfully obtained. The records I'm looking at have nothing to do with any ownership of any products, services, or money being acquired by me or my authority. If no one was interested in learning the truth, remove from my credit report any information that appears to have resulted from an alleged extortion or scam. 
XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2024-06-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: OneMain Finance Corporation (CO)

In XXXX of XXXX  my bank sent me a false statement. XXXX XXXX  emailed me saying they rejected the payment. I immediately called OneMain financial to let them know. I spoke to a male. I told him I needed to make the payment. He told me to go online and make it if I wanted to. He said, " On our end it has not returned. '' I franticly replied, " No the bank sent me an email that they won't pay it. I said if the bank ends up paying this, you can use the payment for XXXX. He said, " Okay. '' The only place i could make that payment was on the app. It said make additional payment. I am thinking that is fine since I just had a conversation with an employee at the XXXX XXXX in XXXX XXXX, he knows the issue. I make the payment, but XXXX payment drafts. I reach out to Onemain and let them know, I said " Now that we have this straight we will use if for XXXX, '' They still drafted my payment again in XXXX, XXXX XXXX. By this point I am reaching out almost daily asking them to fix it. They refuse to fix this. This is now in a spiral effect throwing me behind every month. My account is getting worse and worse. 

I escalate this to the executive office, thinking all they need to do is adjust this payment. They refuse to adjust the payment. I asked them for a written explanation as to why and they refuse me that as well. They told me they would only speak about it on the phone. This should not have been difficult. The employee knew what I was doing. He let me think this was easy to reapply if the payment was not needed and that was a lie. 

What i want from OneMain to do is re-right the loan at the original loan amount outside of underwritting, where it can not be denied. This is the best chance I have to catch up on this, and I will call this fair. If they refuse to do that, then this is up to you on how to proceed.
Consumer complaint received 2024-06-18
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. (NY)

I am disputing the following accounts due to their erroneous and negative reporting, which is in direct violation of the Fair Credit Reporting Act. These inaccuracies are adversely affecting my credit report and must be corrected immediately by XXXX, XXXX, and TransUnion.
Consumer complaint received 2024-06-18
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: NAVY FEDERAL CREDIT UNION (NC)

On XX/XX/XXXX at approximately XXXX est, I received a phone call from Navy Federal Credit Union claiming to be a representative. The man verified my date of birth home address and phone number and proceeded to tell me my debit card had been accessed by a man in XXXX, Georgia using a XXXX  XXXX. He told me that my account was compromised and we needed to do some security measures so we went through, verifying some information and he sent a text message for me to identify my login device and my location. Then went on to tell me that a XXXX XXXX loan had been taken out in my name and that we needed to repay it. He was going to help me with acquiring the funds and moving it so that the cash app loan was not reported to the credit bureau and if it was, Navy Federal would take care of it. There {$5000.00} Showed up in my checking account in which we proceeded to transfer To XXXX XXXX. This transaction took approximately two hours in which he used my My military rank and thanked me for my service and told me the documents would be in my email shortly. During this time, I did not know that the text messages being sent were automated from Navy Federal. They would be sent regardless, and the emails I received Were loan documents. This gentleman had access to my bank account and was applying for a loan while I was on the phone with him and we then transferred all under the disguise of a navy federal fraud representative. He was very kind. He spoke XXXX well and he used all the tactics that Navy Federal would use to verify identity and to speak to its military members. Filing a claim with Navy Federal, they had denied my claim, stating they believe Ive benefited from this, however, did not.
Consumer complaint received 2023-10-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (CT)

Some of my student loans show a past due payment from XX/XX/XXXX, with a past due amount equal to my current incorrect monthly payment. 
XXXX is showing that I have a late/past due payment, but my payments were not set to resume until XX/XX/XXXX. It is not possible for them to be late. 
They have been on hold throughout the covid pause. 
I called and spoke to a rep last week who said this would be removed and my monthly payment corrected, but as of today, it is still showing the wrong payment amount and pay due amount.
Consumer complaint received 2024-09-20
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Block, Inc. (TX)

Upon receiving my CashApp card, I had to resubmit my order several times due to theft. CashApp sends the cards in a bright yellow envelope that has " CashApp '' on the front and " # CashCard '' on the back in bold yellow. This is a huge liability and an attraction for thieves. Upon speaking with a customer service representative, he refused to transfer me to a manager to formally report this issue. I called back and they refused to submit my complaint.