davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (FL)

I have an FFELP consolidated loan with AES since XXXX, I received an email from the department of education on XX/XX/XXXX, that has determined that the loan I received to attend a school owned and operated by XXXX XXXX XXXX are eligible for full loan discharge, and that I do not have to make any more payments on the loan, nor do I have to take any further action to receive discharge. Since then Ive been trying to get this straightened out between AES and DOE to get this solved, and its been going on for about XXXX years now. The XXXX and DOE want me to apply for a borrowers defense application in order for my loan to be put on exceptional discretionary forbearance, not administrative forbearance. AES is still waiting for the DOE instructions for a discharge and still havent heard anything from anyone. I wanted to know when my FFELP consolidated loan with AES is going to get XXXX. Which group discharge does my loan fall under. And is there any issue with the process that I need to be aware of?
Consumer complaint received 2019-06-20
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. (CA)

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some oft he names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this.

XXXX/XXXX  XX/XX/XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-20
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)

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some oft he names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2023-06-25
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. (NM)

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. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 2016-03-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (PR)

I send a police report report together with other to Eperian requesting account that did not belong to me to delete them and also to update my records as letter stated from the creditos. Also send them copy of drivers license for the verification of my of my identity since I am victim of fraud and they know about it. The police report included everything they are putting on their response. They refused to block eventhough they have copy of my police report and my XXXX creditor.s
Consumer complaint received 2023-09-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Dynamic Collectors, Incorporated (WA)

I received paperwork from the courts on the 21st of this month. It informed me that my wages were being garnished as of now. It came with no paperwork for me to argue my case there's no 20-day grace period for me to explain why they were incorrect.. so my wages will be garnished as of now close to {$700.00} a month.. and the thing about it is I wasn't aware of any debts I owed and supposedly this is from Dynamics collection agency on XXXX Washington trying to collect a debt from around XXXX I'm aware that doesn't go away. But I'm also aware of the statutes of limitations they have to file a lawsuit against me I believe in Washington state is 6 years this debt goes all the way back to 15 plus years.. I believe the reason they didn't give me any paperwork for me to respond is because they know that what they're doing is against the law. Yeah come to find out my debt I owed supposedly was around {$570.00} After they added all their fees and everything on to it they almost added {$3000.00} to that debt so I owe over {$3600.00} now.. they know exactly what they're doing they know it's against the law for them to follow a lawsuit after a certain amount of time they could have called me they never ever called me and tried to collect any debt for me at any point in the last 15 years all the sudden they wait they garnish my wages without even contacting me to let me know they're doing that. And as of now money will be taken out of my paycheck next week. 
The company is dynamic collection agency out of XXXX Washington their lawyer is XXXX XXXX XXXX body his law firm is also in XXXX Washington.
Consumer complaint received 2024-08-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (MD)

On XXXX XX/XX/year>, I reached out to XXXX to ask whether I could pay my monthly bills ahead of time without penalty. I wanted to give myself a cushion in regards to the due date. I even provided an example to ensure they would understand what I was asking. I understand that my loan accrues interest daily so I requested an urgent response on official letter head. I even asked to be escalated to a supervisor, twice. I received XXXX responses, XXXX answered my question. I will only ever communicate with this company via email because every time you talk to anyone you receive a different response. The same is true for CFPB complaints, on my latest request I received false information regarding my monthly, per loan, breakdown. I followed up via email where they later took accountability and provided another breakdown ( will attached for record keeping purposes ). Had I called they would have never admitted to their own short comings. XXXX is an absolute NIGHTMARE of a company. I am making this complaint to get a clear and complete answer to my original question, as official CFPB complaints seem to be the only way to get a clear/official response, that holds them ACCOUNTABLE. My original email was posed as follows : I would like to make another payment this month. I would like this payment, and all subsequent payments, to go towards my next due date. 

For example, if I make a full payment today, XX/XX/year>, I would like this to count as my XX/XX/year> payment. If I make the next payment on XX/XX/year> I would like this to count as my XXXX XXXX payment. 

I ask that this be accurately REFLECTED on my account as it effects the due date. This will provide a cushion for myself when it comes to payments. Please advise if this is possible or if XXXX will not support paying this far in advance, preferably on official letter head. If XXXX will not support this request please provide an explanation as to why. 

Please note this is the same process I use to pay my car note and my lender has documented it as described without incident. 

I do not want to know an interest rate breakdown. I do not want to know that I can push my payment ahead XXXX months ( XXXX of the responses they gave me ). INSTEAD I want to know if I make a payment today that it will count towards the next payment owed ( XXXX ). If I make another payment tomorrow it will could towards the payment after that ( XXXX ) and so on and so forth. The basis of my intent is to give myself a cushion should I fall on hard times and need to take a personal pause later on. This will ensure I am paid AHEAD. Please answer the questions I ask and stop making up your own questions to stall time. Please train your staff!!!
Consumer complaint received 2023-04-11
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: JPMORGAN CHASE & CO. (TN)

I noticed hard inquiries on my credit reports that I did not make. XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, jpmcb - XX/XX/XXXX and XX/XX/XXXX. These were all unauthorized. Theres also a credit like with XXXX XXXX appearing on my XXXX XXXX report I also did not make.
Consumer complaint received 2024-06-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-08-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Onity Group Inc. (FL)

The previous complaint about the same company resulted in a response from them. Their submitted documents ( my insurance policies ) clearly show that windstorm coverage was excluded. Their response indicated windstorm insurance was NOT excluded, but you can clearly see that it was. This is Their XXXX  that they want me to pay for.
Consumer complaint received 2024-08-23
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

I had automatic payments set up for a card with Capital One. Capital One is telling me the automatic payment was cancelled on my account before the due date which I do not recall doing. As soon as I was aware of the automatic payment not being processed I made a payment of the full statement balance ( {$1900.00} ). This payment was made within 24 hours of the due date. Capital One is telling me there is nothing they can do and that I am to be expected to pay interest on the balance in the amount of {$54.00}. I explained to Capital One the automatic payment should have paid my statement on time yet something happened with their system, yet they are not willing to credit the interest charge.
Consumer complaint received 2024-08-21
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (CA)

I made over {$5000.00} in payments to Sally Mae then Navient. what happened was Sally Mae was banned from servicing student loans so they changed their name to Navient, from what i understand. I called Navient every month to make the payment and when i asked how much i needed to pay Navient told me I needed to pay an amount of {$61.00}. The problem I learned much later after making almost 10 years of payments was the payment I made didn't even cover the interest accruing on the loan. Navient never informed me of this or told me the payment I was making wasn't enough to even cover the interest. So an original loan of a little over {$8000.00} tht i had paid over {$5000.00} in payments was now over {$16000.00}. I then transferred my loan to the Department of Education because i was so upset with Navient and navient had the Department of " education purchase the loan for {$6500.00}.
Consumer complaint received 2024-08-20
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Atlanticus Services Corporation (WI)

Company closed my account within XXXX  days on XX/XX/year> after they stopped my automatic payment in XXXX and thereafter Lead me to believe the account was to be current if I made a XXXX payment in XX/XX/year> but lied and upon calling the company on XX/XX/year> they gave me verbal notice that my account was closed.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I AM A VICTIM OF IDENTITY THEFT AS WELL AS THEFT MY PERSONAL INFORMATION IS EXPOSED ON THE BLACK MARKET AS WELL AS A SECURITY BREACH. 

XXXX IS XXXX ACCOUNT OF XXXX OTHERS DISPUTED ON MY CREDIT FILE AND IS CONTINUOUSLY REAPPEARING ON MY CREDIT FILE. 

THIS ACCOUNT WAS REMOVED XX/XX/XXXX I RECEIVED THE RESULTS OF THE REMOVAL THEN ON XX/XX/XXXX I RECEIVED A NOTIFICATION THAT THIS ACCOUNT WAS CHARGED OFF AND THE ACCOUNT WAS CLOSED XX/XX/XXXX. THIS INFORMATION BEING REPORTED IS INACCURATE. THIS ACCOUNT IS NOT MINE
Consumer complaint received 2023-05-30
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. (LA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-07-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Tesla, Inc. (DE)

Tesla is offering used cars for sale on their website and some of those cars are qualified for partial tax credit if they meet certain criteria. The main issue is that the website only asks for your registration zip code to filter your search to the nearest pick-up options, and the deceiving part is that the sales reps are saying each buyer will only qualify for used car partial tax credit within their zip code regardless of the car meeting the tax credit criteria. and the tax credit is mandated by the state or the residency of the buyer as long as he/she is domestic to the US. which is not true and deceiving, for example in the state of Delaware buyers have to go and pick their cars from NJ or MD. So, the state pick up mandate is not a MUST. but Tesla have been misleading buyers when they find a car which is little further in the distance from their zip code, which leads to limiting the buying of cars from only one state and deceive us as buyers to believe that we can only buy from where we live.
Consumer complaint received 2024-05-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (OR)

MOHELA asked me to recertify my income before the Dept of Ed said was necessary. I waited until the last minute and then recertified even though it was before XX/XX/year>, because they told me I would lose my XXXX plan if I didn't. I'm going for XXXX, so I have to stay current and on an XXXX plan. 

A few days after I certified my income, the Dept of Ed announced it was again going to push back this requirement. I heard nothing from MOHELA about this ( in fact I read about it on XXXX ), and so then I called them to confirm my payments would not be increased. I was on hold for an hour before someone answered and confirmed they would be reverting to my previous payment. This was on XX/XX/year>. 

I kept checking my account to see if my next payment had been adjusted, but it had not. Then I emailed them asking when it would be done. Around the start of XXXX my account was put in an " administrative forbearance '' for the remainder of the month, so I was not able to make a payment. The forbearance has ended and my payment still has not been corrected. I've exchanged messages with MOHELA and they reported they will adjust my payment, but it is due to automatically debit in 3 days and still shows the incorrect amount. 

Additionally, I just saw that my account went up by {$1200.00} in interest last month because of the forbearance they put me in! I didn't ask for the forbearance and they didn't even fix the issue during that time. I've dealt with several student loan servicers over the last decade and they have been the most difficult to deal with ( and this is saying a lot ). It's so awful to not be able to choose a better servicer since I'm pursuing XXXX. They are truly inept.
Consumer complaint received 2019-06-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Account Services, Inc. (NY)

My husband and I received a letter from a company called Allied Account Services Inc. with the phone # : XXXX-XXXX-XXXX  and an address of XXXX XXXX XXXX, XXXX, NY XXXX suggesting that they are trying to collect a debt on behalf of XXXX XXXX XXXX. The letter was dated XX/XX/19. I knew we had no outstanding amount with XXXX XXXX XXXX and confirmed in my records and with XXXX directly that everything was paid. XXXX confirmed that they were in no way attempting to collect a debt and that this company, Allied Account Services Inc., is a fraudulent company trying to collect false debt. The amount was {$14.00}. I assume they chose this amount, hoping it was low enough that we would just pay the debt without checking.
Consumer complaint received 2024-07-20
Product: Credit card — General-purpose credit card or charge 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: WELLS FARGO & COMPANY (NC)

I submitted a billing dispute ( Claim XXXX ) on XX/XX/XXXX for an overcharged amount from XXXXXXXX XXXX XXXX. Wells Fargo contacted me by phone a couple of days following the submission to request additional information. I provided the requested documents, but the dispute is still sitting in the initiated state. This means the associated charge remains active on my account and is included in my total balance and minimum required payment amount. There's no reason why the claim should not have ( at minimum ) moved into the processing phase by now given the ample supporting evidence I supplied over a week ago. The overcharged amount that's in dispute is nearly {$1000.00}, which I'm apparently responsible for as part of my total balance until the card issuer begins processing the dispute.
Consumer complaint received 2023-04-25
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: Experian Information Solutions Inc. (CA)

In accordance with fair Credit Reporting act XXXX account has violated my rights. 15 USC 1681 Section 602 states i have the right to privacy. 15 USC 1681 Section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666b : a creditor may not treat a payment on a loan under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-09-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Collection Bureau of America Ltd. (FL)

Subject : Dispute of Harassment I am writing to formally dispute and request an investigation into the harassment I have been experiencing from [ XXXX XXXXXXXX XXXX XXXX ]. I believe that the repeated and unlawful communications I have received constitute a violation of federal and state laws, and I am seeking your assistance in addressing this matter. 

Summary of Harassment : Phone Calls : I have received numerous unsolicited phone calls from on [ list dates and times if possible ]. Despite my clear requests to cease all phone contact, the calls have continued. 
Emails : Additionally, I have been subjected to an excessive number of emails from [ Name of Creditor/Collection Agency ] regarding the same issue, despite my efforts to opt-out of further communication. 
Applicable Laws : Fair Debt Collection Practices Act ( FDCPA ) : Under the FDCPA, specifically 15 U.S.C. 1692c ( a ) ( 1 ), a debt collector is prohibited from contacting a debtor directly if the debtor requests no further communication. Additionally, 15 U.S.C. 1692d prohibits debt collectors from engaging in conduct that harasses, oppresses, or abuses any person in connection with the collection of a debt.

Telephone Consumer Protection Act ( TCPA ) : The TCPA, found in 47 U.S.C. 227, restricts the use of automated dialing systems, prerecorded voice messages, and unsolicited calls to consumers, particularly if such calls are made to a cellular phone without consent.