davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

According to XXXX, which is currently my student loan servicer, I have no student loan payment due at the moment. But last month, my credit dropped from XXXX points because XXXX reported late payments and increased balance. I called them to make sure, and they confirmed with me that my student loans are on deferment and my balance is zero.
Consumer complaint received 2023-12-23
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. (MO)

I have been trying to make a full payment on my student loans with Aidvantage since the XXXX of XXXX. The payments of XXXX keep getting " reversed ''? My bank account is correct and i have confirmed this with my bank. The customer service at Aidvantage are running out of excuses and never answer. Each time I try to make a payment, the settings in my account get randomly changed and the amount owed gets raised. It should not be this difficult to pay a loan back.
Consumer complaint received 2024-05-01
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. (CA)

I recently reviewed again my TransUnion, XXXX and XXXX credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2023-12-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: TRUIST FINANCIAL CORPORATION (GA)

The bank offered me a cash advance and offered for automatic draft from account I agreed to that part however i was not notified that the account could not be debited my direct deposit clears once a month on the XXXX due to XXXX and no other funds are put into the account so they did a force write off and my account is suppose to exempt from any of this because its a federally funded money I recieve.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (RI)

I received an email on XXXX XXXX, from XXXX on behalf of XXXX  that there was a data breach on XXXX XXXX  with XXXX XXXX, the provider of XXXX XXXX software disclosed a vulnerability in their software and that could be exploited by an unauthorized party. As suggested, I enrolled in XXXX XXXX XXXX  My credit is already frozen, but I wanted to add a fraud alert to all XXXX credit bureaus. I successfully added it to XXXX and XXXX, however I could not log into Experian because I dont know my password. I tried to reset it, but they asked for a phone number. I tried all possible phone numbers, and none worked. I tried to call Experian and you can not get to a person to explain the problem the recording says to send them a letter with name, address, copy of drivers license, and proof of current address which I did on XX/XX/. I have never received a reply. Experian has been unresponsive in allowing me access to my existing account and the ability to add a fraud alert on my account. Please Help!
Consumer complaint received 2023-05-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (KY)

Transaction for {$2500.00} to XXXX made on XX/XX/23 was fraudulently withdrawn from my Debit account via an online transaction. USAA has stated that the investigation results are deemed not fraudulent on XX/XX/23 and again on XX/XX/23 based on the availability of my name and address and phone number being given and correct when the transaction was completed. XXXX has submitted a compelling evidence response that states that I willingly participated in the valid transaction. Also that I have a history of other uncontested charges using the same purchase details, which is incorrect. I submitted a copy of my XXXX account that had a different e-mail address than the fraudulently used account - the only discrepancy.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

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 items was submitted on XX/XX/2024, and I have not yet received a response. ''
Consumer complaint received 2023-08-31
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. (FL)

I would like for all the incorrect information to be removed from my credit report because I did not authorize nor did I open those accounts.XXXX XXXX  needs to be removed in the balance of XXXX opened XX/XX/XXXX, XXXX XXXX XXXX  needs to be removed in the balance of XXXX dollars opened XX/XX/XXXX, XXXX XXXX needs to be removed in the balance of XXXX dollars opened XX/XX/XXXX, XXXX XXXX XXXX with a balance of XXXX dollars needs to be removed from my credit that was opened on XX/XX/XXXX that's not my car, and XXXX XXXX needs to be removed. I would like all the inquiries removed because I did not open those accounts XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, Now XXXX XXXX XX/XX/XXXX, and XXXX XXXX XXXX XX/XX/XXXX don't belong to me. I would like my name spelled correctly along with the correct address.
Consumer complaint received 2023-08-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Unifin Inc. (VA)

On XX/XX/2023, a business I was not aware of retrieved {$120.00} off a a prepaid card that is used to transfer money to and from my bank account. I then called the company I have a card with they informed me they couldnt do anything until the action was in pending status for 24 hours until it was completed, and could resolve in a dispute. I then went on the internet to look up the business to retrieve information I called and reached out to see what is this or what matters it regards to. I am unaware of who this company is and I did not authorize any purchase with I asked if I could receive a refund they said no, I retrieved a email XX/XX/2023 asking me to sign for the purchase but the purchase was completed XX/XX/2023. The prepaid card has now open an dispute as of XX/XX/2023 and its still ongoing.
Consumer complaint received 2023-12-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Maximus Federal Services, Inc. (UT)

I had about {$55000.00} in student loans held by aidvantage in my name during the start of the COVID pandemic. They were a mix of subsidized AND unsubsidized loans. During that time, I decided to refinance my home to pay off those loans completely. My balance was down to XXXX. Paid OFF. 

Then I was told I was entitled to a refund of any payments made up to {$20000.00} to help out financially due to the pandemic situation. When you hear REFUND, does it sound anything like ANOTHER LOAN???? No. So I called and emailed back and forth trying to ask Aidvantage, my servicer, about this so called refund. Eventually I got ahold of someone and they simply asked what refund I wanted over the phone. I told them I paid my loans off but heard I could get a refund of up to XXXX on payments made. They said yes, and said that they would process some paperwork to make that happen. It took months and then I got a payment to my bank account for the refund. 

I utilized it to pay of some other high interest debt and survive during a time of financial stress, as I thought it was intended for. And I didnt receive ANY paperwork or sign ANY documents for getting this refund.

Then, I got an email from the education department, not even initially aidvantage, that I suddenly held a NEW {$20000.00} loan ( UNSUBSIDIZED even though I PAID ALL of my balance both unsubsidized and subsidized OFF completely ) WITH interest??????

Now they keep emailing me asking for payment and I will not give them one dime.

I did not sign ONE thing that authorizes this. I am already in the works of gathering a lawyer and setting up my case to sue Aidvantage for the complete lack of information, professionalism, and predatory lending practices which they have already settled class action lawsuits for. I am escalating this in EVERY way that I can. Aidvantage will not take advantage of me. 

How is it even fair that they re instate a loan WITH Interest and without my permission or signature after I paid it all off!? Its NOT. Its an offense that Aidvantage will again be sued for.
Consumer complaint received 2024-04-15
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: M&T BANK CORPORATION (GA)

So XXXX XXXX made it clear that they sold my mortgage shortly after I sign for it on XX/XX/2023 .. Now according to the u .s, supreme court case XXXX XXXX XXXX ... the court ruled that where a promissory note goes a deed and trust follow .. the deed and the note can not be separated if the note has been SECURITIZED.. Which means M & T Bank does not suppose to have my mortgage because they don't have the original wet ink signature note .. { It has already been cashed in by XXXX XXXX  }
Consumer complaint received 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: GOLDMAN SACHS BANK USA (NJ)

XXXX XXXX XXXX XXXX, my XXXX report states that I have 5 hard inquiries from you guys. I did not apply for an XXXX product in the last 3 years. Please send me a letter via mail to the address on my CFPB file addressing XXXX to have those hard inquiries removed please. 
Again, - XXXX wanted me to contact XXXX XXXX XXXX XXXX XXXX Get XXXXXXXX XXXX XXXX XXXXXXXX to mail me a letter address XXXX to have those XXXX hard inquiries deleted, as they were not mine. 
- If possible, please expedite the mail. 

The dates on my credit report from XXXXXXXX XXXX was XXXX. XX/XX/2022 XXXX. XX/XX/2022 XXXX
Consumer complaint received 2023-12-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (CO)

XX/XX/XXXX Dear Manager at Billing Inquiries for Synchrony for Care Credit Card, I am writing in response to the recent payment dispute you closed in favor of the provider, XXXX XXXX XXXX  On XX/XX/XXXX, you stated in the letter that you were closing my dispute and had released the disputed amount to the provider for a service that I canceled and never rendered. I would appreciate it if you could review the contents of this letter and the attached so that you can reconsider your decision and re-open the dispute. 

There are two problems with this dispute. I was not treated fairly or ethically. On XX/XX/XXXX XXXX, an office manager at XXXX XXXX XXXXXXXX, talked me into getting a XXXX XXXX XXXX XXXX XXXXXXXX that someone had canceled at the last minute. The canceled appointment was for the next day at XXXX. I felt pressured to fill in the canceled appointment when XXXX said I needed the procedure, and when I didnt have my credit card with me, she was willing to take the payment over the phone after I went home. 

When I did find my card, I asked her to find out if I would qualify for the surgery amount. Notably, I did NOT authorize her to charge my card. In any case, I canceled the appointment that night via text message ( see attached ) and later confirmed the cancellation with XXXX on the phone before the clinic even opened. It was at this time that I was, for the very first time, informed that I would need to pay a cancellation fee for costs already incurred. At no point previously did XXXX inform me of any penalty fees that would apply in the case of canceling an appointment under the current circumstances, i.e. an unfilled appointment that was booked and canceled at the last minute by another guest. 

It doesnt seem appropriate that this cancellation policy and penalty fee, particularly one as substantial and consequential as {$6000.00}, was disclosed not when the appointment was booked, but when it was too late to avoid incurring the cost. Regardless, I, as a consumer, was not given the right to cancel or withdraw from the agreement. 

This is not how XXXX XXXX XXXX wishes to conduct business with valued customers as I have been with them since XXXX and have never encountered such a lack of transparency. I would welcome the opportunity to discuss matters further to come to a resolution for a full refund. 

Thank you for your attention. 

Sincerely. 


XXXX XXXX
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MA)

" Your agency is in violation! 
1

5 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. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I just checked again my TransUnion and XXXX credit reports and I can see accounts reporting inaccurately. You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Please see attached file below
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (FL)

NELNET made claims against me, trying to collect a debt they claim I owe to them. I sent in dated paperwork asking NELNET to verify their claims. I gave them 15 days to respond to my conditional acceptance. They did not respond to the letter in the time frame offered. Then they wrote me telling me that they no longer service the debt they were trying to collect on me. NELNET informed me that the debt was transferred and or sold from NELNET to XXXX XXXX and to contact them with any concerns I XXXXay have. Due to the fact they no longer service this debt. Upon looking at my consumer credit reports recently I notice NELNET still reporting on the debt they claim they no longer service as late and or delinquent. Now how is this so if NELNET no longer services the debt. This is not fair and accurate credit reporting. Everything in my credit report should be fair and accurate. This is a violation Pursuant 15 usc 1692e. I want this NELNET reporting removed.
Consumer complaint received 2023-12-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRY According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this.
Consumer complaint received 2023-12-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

The financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 

15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. 

Experian, XXXX, XXXX
Consumer complaint received 2023-12-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AL)

My usage of credit has vastly improved over the past quarter ; and because of my responsible, wise and systematic approach to wisely using my credit, my credit score and rating has changed for the better. However, I am confused as to why my overall credit score with Experian continues to diminish without proper cause. I have attached documentation for your consideration and review.
Consumer complaint received 2024-05-01
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)

I recently reviewed again my XXXX and TransUnion credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2023-05-01
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: National Auto Lenders, Inc. (FL)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2023-12-23
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: Experian Information Solutions Inc. (VA)

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2023-12-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

I'm sending this compliant to inform credit bureaus that the following companies made unauthorized inquiries on my personal credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
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
Consumer complaint received 2023-12-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account and remove this immediately in my report : XXXX XXXX XXXX XXXX