davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-09
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. (GA)

I have been attempting to make a ~ {$22000.00} payment toward my student loan balances since XX/XX/XXXX with AidVantage. I first made the payment using my online account with my checking and routing number. This is the exact same checking and routing number associated with my account that AidVantage successfully pulls monthly autopayments from. I received a confirmation email with confirmation # XXXX for the amount of {$22000.00} on XX/XX/XXXX. I waited XXXX weeks to allow for processing time, but the funds were not pulled from my checking account and nothing was adjusted on my loan balance, so I called AidVantage. They said they did not know what happened to my large payment. They suggested I call my bank or wait longer for processing time due to high volume of payments. I called XXXX Bank, and they said they have no record of this payment at all on their end. They also assured me that they would have no issue processing this payment as the funds are sufficient and that the account and routing numbers are correct. They said I did not need special approval for this amount. They said this is an issue on AidVantage 's end. I called back to AidVantage after more time passed and the payment still had not processed. They could not tell me where the original payment went, but they suggested I make a new payment over the phone. I paid over the phone on XX/XX/XXXX. I received a confirmation email with confirmation # XXXX for the amount of {$22000.00} on XX/XX/XXXX. They assured me that this method would be successful. I waited XXXX weeks to see this reflected on my account, and nothing ever changed. I called back again on XX/XX/XXXX. I spoke with a variety of people regarding my issues, called XXXX Bank again to verify that there was no issue on the bank 's end, and ultimately spoke with a supervisor. The supervisor, XXXX, processed a new payment over the phone for a total amount of {$22000.00}. I again received a confirmation email and confirmation # XXXX on XX/XX/XXXX. It is now XX/XX/XXXX, and I had to call AidVantage again because nothing has been processed. They said they will have to conduct an investigation to see what is happening to the missing payments. I will receive notification on XX/XX/XXXX regarding the status of the investigation, but they also suggested I mail in a check for {$22000.00} to resolve the issue. I do not feel comfortable mailing a check for that amount. The checking and routing numbers are successfully associated with my account, and they draft regular monthly autopayments from the exact same account. I do not understand why they will not process the ~ {$22000.00} amount to clear some of my loan balances. I am accruing interest every day on these loans, and it has been incredibly frustrating to receive no explanation or assistance with this from AidVantage.
Consumer complaint received 2024-01-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A. (MO)

On XX/XX/XXXX, I received a call from what seemed to be PNCs customer service number. A man who claimed to be with PNCs Fraud Detection department told me that there were charges being made to my account. I thought this was a legitimate bank employee and he asked me questions about my account, such as my login info and account information. After I realized this was not a legitimate employee, I hung up the phone. I later saw there was an unauthorized money transfer of {$1000.00} over XXXX on my account. I later called PNC bank to dispute this charge on XX/XX/XXXX and they have denied my dispute, even though I did not authorize this transfer.
Consumer complaint received 2024-05-10
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)

I have consistently maintained timely payments, so I'm perplexed by an error in my credit report. I seek accurate, updated records that reflect my on-time payments for those accounts.
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

ON XX/XX/14 XXXXXXXX  I CALLED XXXX AND REQUESTED NAME AND ADDRESS CORRECTION. I SPOKE WITH 2 DIFFERENT REPS AND WAS TOLD IT WAS COMPLETED AND WILL BE UPDATED IN 72 HOURS. NO CHANGE HAS BEEN MADE AND I AM HAVING A HARD TIME OBTAINING HOUSING. 

THEY STATED IT WOULD BE FORWARED TO XXXX AND TRANSUNION..
Consumer complaint received 2023-04-03
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MD)

I leased a XXXX XXXX through XXXXXXXX XXXX XXXX. The vehicle was totaled by a party that unfortunately was XXXX XXXX XXXX XXXX XXXX 
Because the vehicle was totaled at no fault of my own the other parties insurance. Paid for the remaining of the vehicle. I inquired through Experian, XXXX XXXX, XXXX, and XXXX on the information has been provided on my credit report. All three credit bureaus did not give me anything worth substance. XXXX never responded at all. I sent out certified letters, requesting all information and regard to this debt.
Consumer complaint received 2024-07-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (LA)

Nelnet unfortunately took over my student loan servicing after COVID-19 from Great Lakes . During this timeframe, the SAVE program became available as an income based repayment plan. I was previously enrolled in REPAYE, and was under the false impression that I had to recalculate my payment in order to enroll into SAVE. My payment somehow ballooned from approximately XXXX dollars to almost XXXX dollars. The Federal Student Aid website clearly states that If your payment increased after recertifying or recalculating your payment, your payment would be reversed to the original amount and it would be recalculated in XX/XX/year> ( I will attach that information ). I confirmed this with an FSA.Gov employee, and have the transcript of the chat showing this information was correct. After repeated attempts to explain this to Nelnet, they told me at each step I was incorrect and I would be responsible for this approximately XXXX dollar payment. I gave them ample time to stop the initiation of the debit from my bank account ( i was told by Nelnet the request needed to be made 3 days before the payment date and they were contacted a week and a half before the withdrawal date ) yet they still took the money. After numerous complaints to FSA.Gov, Nelnet emailed me a letter explaining that I would be getting the refund, but they had no indication of when. After continued phone calls and emails with Nelnet, they still have no information or updates. This is, in my view, a violation of federal law, and theft, as they admitted not only was I correct about the incorrect payment amount, but they took money out of my account they were not entitled to, and have yet to refund it.
Consumer complaint received 2024-05-10
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. (CA)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with TRANSUNION.COM, XXXX XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I sold my car few months ago to a dealership and they sent the check for payoff to XXXX, but the bank didnt process the check on time and marked it as late payment and few days after closed the loan
Consumer complaint received 2023-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (NY)

I was applying for a flex loan on my Citibank credit card. I had an offer of a 6.99 % APR with an option of selecting a payment term of either 48 or 60 months. I saw this offer by the end of XXXX. On XX/XX/XXXX, the offer was 8.99 % APR and only a 60 month payment plan. When I called Citibank, they stated that the promotion is over and that there is nothing they can do. This is unethical and deceiving.
Consumer complaint received 2024-04-17
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. (TX)

In accordance with the fair credit reporting act this creditor has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 604A section 2 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 consumer credit plan as late for any purpose.
Consumer complaint received 2024-01-09
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. (OH)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2017-12-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (UT)

FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Dear Consumer Financial Protection Bureau, I am urgently filing this complaint against Experian and XXXX regarding the unauthorized sale of the XXXX XXXX XXXX account to XXXX XXXX XXXX XXXX XXXX, and the subsequent inaccuracies and challenges Ive faced in disputing this unauthorized transaction. 

Unauthorized Sale of XXXX XXXX XXXX Account : I recently discovered that the XXXX XXXX XXXX account was sold to XXXX XXXX XXXX XXXX XXXX without any proper notification. This unauthorized sale has significantly impacted my ability to address and dispute the accounts details accurately. 

Continuous Updating of Inaccurate Information : In addition to the unauthorized sale, there has been continuous updating of inaccurate information related to the XXXX XXXX XXXX account on my credit reports. Specifically : The reported last payment was inaccurately stated as XX/XX/XXXX, to XX/XX/XXXX, which is factually incorrect. 
The account status continues to be updated as a charge-off every month, which is inconsistent with the actual account status. 

Dispute Handling Challenges : Despite repeated attempts to dispute these inaccuracies through Experian and XXXX dispute processes, I have faced significant challenges. The disputes have not resulted in the necessary corrections, and the inaccuracies persist, adversely impacting my credit profile. 

Fair Credit Reporting Act ( FCRA ) Violations : I assert that the unauthorized sale of the XXXX XXXX XXXX account and the continuous updating of false information constitute a violation of the Fair Credit Reporting Act ( FCRA ). These actions have created unnecessary hurdles in my attempts to address and dispute the inaccuracies. 

Immediate Deletion Request : I urgently request the immediate deletion of the inaccuracies related to the XXXX XXXX XXXX account from my credit reports by Experian and XXXX. The unauthorized sale and continuous updating of false information are causing severe distress and adversely affecting my creditworthiness. Immediate deletion is imperative given the severity of the situation. 

Transparent Dispute Resolution : I urge the CFPB to ensure a transparent and effective dispute resolution process that guarantees accurate reporting and immediate corrections. 

Compliance with FCRA : I request the CFPB to investigate and ensure that Experian and XXXX comply with the provisions outlined in the Fair Credit Reporting Act. 

The unauthorized sale of the XXXX XXXX XXXX account and the challenges in disputing this information are causing significant distress and negatively impacting my financial well-being. I seek a prompt and comprehensive resolution, including the immediate deletion of the inaccuracies. 

I appreciate the CFPBs urgent attention to this matter and anticipate a thorough investigation and resolution in accordance with regulatory requirements.
Consumer complaint received 2024-05-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am writing to file a formal complaint against XXXX XXXX  regarding their failure to address and investigate inaccuracies in reporting on my XXXX, and Transunion credit reports. On XX/XX/XXXX, I sent a dispute letter to XXXX XXXX, disputing how this account is being reported on my credit reports. 

XXXX XXXX  responded on XX/XX/XXXX, stating that the account is reporting accurately. However, upon reviewing my credit reports, it is evident that the account is reporting inaccurately and with incomplete information. In response to XXXX XXXX  's inadequate resolution, on XX/XX/XXXX, I sent another dispute letter to XXXX XXXX, requesting a thorough investigation into the inaccurate reporting of this account on Transunion and XXXX credit report. 

The account in question was included in a Bankruptcy XXXX and should not be reporting negatively. Despite all payments being made on time according to my payment history, XXXX XXXX  has failed to update the reporting on my credit reports accordingly. 

From XXXX, it is apparent that payments were made on time from XX/XX/XXXX to XX/XX/XXXX. XXXX shows only one on-time payment in XX/XX/XXXX, with no data available before or after that date. TransUnion is not reporting any payment history at all. Additionally, there are discrepancies in the payment status reported by each credit bureau TransUnion is reporting as " unrated '' or " bankruptcy, '' XXXX is reporting as " current, '' and XXXX is reporting as " Included on Bankruptcy. '' In both dispute letters, I explicitly requested XXXX XXXX  to provide specific details about the account, including the type of account, scheduled payment amount, credit limit, high balance, date of last payment, payment status, and date of account closure. However, I have not received any response from XXXX XXXX. 

On XX/XX/XXXX, I sent another dispute letter to XXXX XXXX, urging them to rectify the inaccurate reporting of this account. According to the FCRA, creditors are required to conduct a reasonable reinvestigation upon receiving a dispute from a consumer. However, XXXX XXXX  has failed to fulfill this obligation, thus violating my consumer rights under the FCRA. 

Therefore, I am requesting the CFPB to intervene in this matter, conduct a thorough investigation into XXXX XXXX  's handling of my dispute, and take appropriate action to ensure compliance with the FCRA. I urge the CFPB to hold XXXX XXXX  accountable for its failure to investigate and correct the inaccuracies in reporting on my credit reports.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

On XX/XX/XXXX I mailed Experian a letter letting them know of violations regarding my personal information and that it is in direct violation of the Privacy Act of 1974. 

Attached is a copy of that letter along with my consumer report as proof of violations.
Consumer complaint received 2024-05-10
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. (MA)

There are inquiries under my name that are a result of Identity Theft in which I have no direct engagement. I have already filed the proper documentation for these and have sent it to the bureaus but they did not remove them. 
Please see the attached documents for these inquiries I am complaining
Consumer complaint received 2024-01-09
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. (OH)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian & XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation oXXXX Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2024-01-09
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. (PA)

1232g. Family educational and privacy rights On XX/XX/XXXXXXXX  I spoke with several individuals at DEPT OF EDUCATIONXXXX and sent a letter on XX/XX/XXXXXXXX  to XXXX at XXXX XXXX XXXX XXXX XXXX , NE XXXX for removal and also I requested that they send me my Master Promissory NOTES for both accounts on my credit reports Date opened XX/XX/XXXXXXXX  Account number XXXX Amount XXXX Date opened XX/XX/XXXXXXXX  Account number XXXX Amount XXXX NO ACTIONS WERE TAKEN I've also informed Experian, XXXX and XXXX of the violation of the Family educational and privacy rights requesting removal
Consumer complaint received 2024-05-10
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. (MD)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.