davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NC)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2024-08-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc. (TX)

My loans from the XXXX XXXXXXXX XXXX XXXX were eligible for a full discharge on XX/XX/year>, under the School Misconduct decision, and all were discharged by XX/XX/year>, with the balances removed from my credit report. Since XXXX, my Aidvantage account has been showing two negative balances ( $ XXXX and $ XXXX ). When I contacted Aidvantage to clarify if I am owed a refund, they directed me to the Department of Education ( DOE ), stating that only the DOE could confirm if a discharged loan is eligible for a refund. Upon contacting the DOE, I was told they could not view detailed loan information and advised to call my loan servicer. After being transferred through several departments at the DOE and explaining my situation multiple times, I was informed that there was nothing they could do as my loans were in " repayment status. '' When I questioned how my discharged loans could be in repayment status, I was once again directed to call Aidvantage. When I called Aidvantage again, they reiterated that only the DOE could notify me about my refund status. This back-and-forth has resulted in a frustrating and confusing experience, with neither the Department of Education nor Aidvantage providing clear answers or assistance regarding my refund.
Consumer complaint received 2024-08-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAVALRY INVESTMENTS, LLC (TX)

Re : Case Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX # XXXX, XXXX, TX XXXX Hello, Regarding the case above. The court filed a judgment against me even though I sent proof that I had covid and couldn't attend. Then after my phone call to the court to ask why I had a judgement ; they gave me a 20-day deadline to file an appeal for over {$4000.00} when the debt is {$2000.00}. 
Cavalry SPV I LLC has put a garnishment on my bank account without sending me any court documents. 
I am unemployed and I have a XXXX XXXX XXXX dependent ( my daughter ). I have only {$280.00} in my account but they garnished my account for {$3000.00} leaving me no access to funds to feed my family or even buy gas to look for work. 
I am now {$2800.00} in debt with the bank and my pre-arranged direct debit transactions are going to be rejected leaving me with multiple {$40.00} insufficient funds charges. 
My current situation can be directly attributed to not being giving a continuation due to health reasons. 
I will appreciate if you can intervene and have Cavalry follow the law and release this illegal garnishment. 

Sincerely XXXX XXXX XXXX ( Phone will be disconnected soon for lack of payment since I have no money in my account to pay )
Consumer complaint received 2024-08-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MO)

On XX/XX/XXXX I received an email from Mohela stating that " Our records indicate your income-driven repayment ( XXXX ) recertification XXXX XXXX needs to be extended. We are working to extend your XXXX XXXX to ensure your lower payment amount continues, and we thank you for your patience. Recertification of your XXXX plan will not be needed until sometime after XX/XX/XXXX. When it is time for you to renew your XXXX XXXX, we will notify you. '' Despite this email that I will not need to recertify my income information until after XX/XX/XXXX, on XX/XX/XXXX and XX/XX/XXXX, I received emails from Mohela stating that my loan is entering into XXXX When I log into their new online system, I see that I have over {$15000.00} in " capital interest '' added onto my total loan amount, and that I am listed as being in a standard XXXX XXXX rather than the income-driven XXXX XXXX I have been enrolled in since XXXX. I am concerned that they lost my information about my previous payments made toward my XXXX balance which will help me eliminate my debt after a sufficient number of payments. I am also being told that I need to make a payment of over {$1200.00} by XX/XX/XXXX.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SANTANDER HOLDINGS USA, INC. (TX)

I am a victim of XXXX XXXX of debt bondage and would like for all the listed accounts to be blocked and deleted from my credit report. Not only am I a victim of XXXX XXXX of debt bondage, but multiple victim of identity theft. I have provided multiple FTC forms and proof of this to no avail. Please note these are the accounts : XXXX Account # XXXX, bal. {$1400.00}, Santander Consumer USA Account # XXXX, bal. {$53000.00}, XXXX XXXX XXXXXXXX XXXX Account # XXXX, bal. {$89000.00}, and XXXX XXXX XXXX XXXX Account # XXXX bal {$70000.00}.
Consumer complaint received 2023-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX closed accounts Fraudulent accounts Which is generally defamation my name. I have tried several l times to correct this matter with both closed accounts. I tried to contact for fact finding!!!! XXXX XXXX  unknown account XXXX XXXX I was minor ..... Which is consumer abuse ( XXXX needs to do a XXXX because i have not receive any form of payment in any form. This is negligent violation. I have over XXXX XXXX inquires on my credit file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all inquries are double
Consumer complaint received 2024-07-22
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. (CA)

I've asked Transunion to remove & verify with the original source of a bankruptcy being reported on my credit report that was not verified by the original source, which is the XXXX XXXX bankruptcy courts and also to send me proof that they verified this information through the original reporting source and they have not done that to this very day and I've also Submitted complaints and letters for the past four months since XX/XX/year> and to this very date and I have proof of letters that I have submitted to them and got unfavorable response back from them in regards to removing a bankruptcy off of my credit report that's unverifiable.
Consumer complaint received 2023-10-19
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. (MI)

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Consumer complaint received 2024-07-12
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Round Up Ventures, L.P. (FL)

In XX/XX/XXXX, I used the text payment method provided by my creditor, Lendly, as my primary payment method. This method included a link described as secure and reliable. However, I was eventually notified of an incorrect past-due amount. In XX/XX/XXXX, I called the creditor to understand the reason for the 'missing payment ' and was informed that the text payment link expires after 24 hours, without any indication of expiration. Despite being able to input my payment information, no record of payment appeared on my account. Consequently, I switched to using the online portal for remaining payments. The only indication of the faulty payment method was the past-due notifications, which initially indicated just one missed payment. Multiple representatives acknowledged the issue with the payment method and incorrect notifications, assuring me that an investigation was underway. Despite this, I received no evidence of their investigation, leading to negative credit reporting ( 30 and 60 days past due ). From XX/XX/XXXX, I attempted to contact their compliance department for updates but was repeatedly diverted to customer service. After numerous calls, I finally received some information in XX/XX/XXXX, following my mention of reporting to the CFPB. The investigation remains unclear and unresolved, and this issue may have affected other consumers using the same text-payment method and receiving incorrect past-due notifications.
Consumer complaint received 2024-01-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (NY)

I paid of my balance, however they charged me some INTEREST FEE, without my knowledge, because I enrolled in paperless billing since my account was satisfied. Only for me to check my consumer report and notice MACYS has reported this information to a third party reporting agency without my consent and knowledge of and fees due. This is extortion and a violation of fair debt collection practices. According to 15 USC 1666b Timing of payments. Macys and their registered agents are for accurate information. This information is not accurate. I was returned a check for their error.
Consumer complaint received 2018-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Commonwealth Financial Systems, Inc. (TX)

I have unpaid medical debts from a car accident in XX/XX/XXXX. These debts are being sold and reaged to the current year each year. It has now been 10 years and they just put a new debt on says opened XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2023-08-29
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: Opportunity Financial, LLC (MS)

To Whom It May Concern : This letter is to inform you that the above referenced account ( XXXX being reporting on my consumer file ( s ) is hereby disputed for lack of completeness and/or accuracy. Be advised that I recently disputed this account with the three major credit-reporting bureaus, and the information was reported as verified and accurate. I am now disputing those findings directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623. Please conduct an investigation into the following inconsistencies : ( Delete this and insert detailed info about what is being disputed here Read Requirements of the consumer in a FCRA 623 dispute. Writing See Attached is not advised unless your attachment is fully explained here and then you write see attached for further details. ) If you were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation and please send me a copy of the corrections made. If youre unable to preform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account since specifics were not investigated. Im also requesting that you send me an explanation of the methods used, and a description of the records reviewed to conduct your investigation ; including, but not limited to, sending a copy of that information to me so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. This letter was completed and mailed to you on my own accord, and all correspondence related to this dispute should be returned to me at the address listed above. This letter is an attempt to correct the false or misleading information you are reporting on my consumer file ( s ) and to correct your records.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (VA)

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove this from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX Balance {$1000.00} XXXX  XXXX Balance {$900.00} XXXX XXXX XXXX XXXX Balance {$510.00} XXXX XXXX XXXX XXXX XXXX {$530.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$390.00} XXXX XXXX CO XXXX XXXX XXXX XXXX {$89.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX Balance {$500.00} XXXX XXXX Balance {$590.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX  Balance {$560.00} XXXX XXXX XXXX Balance {$740.00} XXXX XXXX  Balance {$55.00} XXXX XXXX XXXX XXXX Balance {$1500.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance {$620.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance {$740.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$820.00} XXXX XXXX XXXX XXXX XXXX Balance {$500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-08-25
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: Experian Information Solutions Inc. (MO)

Since filing complaints against experian they have now stop reporting credit card information from the XXXX XXXX they pushed. All other agencies have updated and experian won't this is RETALIATION
Consumer complaint received 2023-05-04
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX is out of Compliance. 

I have never lived at XXXX XXXX XXXX XXXX XXXX. 

According to 15 U.S.C. 1681e, this collection agency has not provided documentation as to how my information was obtain.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below ; Validation and Verification. 

The account number is XXXX XXXX XXXX XXXX does not have a license to place collections in Georgia XXXX according to NMLS Consumer Database XXXX Please delete this collection from my credit report.
Consumer complaint received 2023-05-04
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Specialized Loan Servicing Holdings LLC (PA)

I received an intent to foreclose from Specialized Loans stating I owe {$46000.00} dollars on a second mortgage originated on XX/XX/XXXX. I modified both loans on XX/XX/XXXX with XXXX XXXX and never with Specialized Loans, and I am current on my mortgage payments since, and I am not delinquent with my Mortgage servicer. I responded with a qualified written request for information on mortgage assignment accounting and an original note. They responded by sending me a payoff quote for {$79000.00}, and that was it. During the qualified written request, they sent a man to my home to tape white letters to my door, which stated to call your mortgage company. This company has not complied with the FDCPA rules and is taking a very aggressive stance toward forcing payment by threatening foreclosure.
Consumer complaint received 2018-04-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (MN)

PLEASE SEE ATTACHED IT IS A IDENTITY THEFT REPORT FROM THE FTC XX/XX/2018 XXXX M XXXX : XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX
Consumer complaint received 2023-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS (MI)

I'm having an issue with LexisNexis constantly telling me lies, giving me the run around and keep reporting a bankruptcy that I did not provide permission to do so according to the FCRA.

Also under consumer law 15 U.S.C 1681 a1,2, and 3... .15 U.S.C 1681s-2. I called LexisNexis to dispute this issue several times,. On XX/XX/XXXX I sent out disputes concerning the bankruptcy to all 3 credit reporting agencies XXXX XXXX XXXX and LexisNexis along with the letter from XXXX  and my updated information. Almost 2 months pass I called back they said they closed the investigation but I never recieved any mail for it. I called on XX/XX/XXXX and they reopened the investigation so On XXXX XXXX XXXX a representative told me that that they do get there information from XXXX, even after I sent the actual letter I received from XXXX stating that they don't report to anyone. So I asked LexisNexis where are you getting your information from in order to legally report it. But they keep closing out my disputes. But never send me any notifications of the dispute results. I'm just fed up with this issue it's hending my credit and causing damages I keep getting denied for things due to them keep reporting it
Consumer complaint received 2024-06-12
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: SYNCHRONY FINANCIAL (IL)

Synchrony Bank/PayPal Credit refuses to refund a purchase I made on XX/XX/year> for {$150.00}. I cancelled the order by emailing the merchant within 2 hours after placing the order. The merchant apparently still shipped the item to my home address, but I never received the item ordered. I've tried contacting the merchant with no response. I've filed multiple disputes with Synchrony Bank/PayPal Credit and they refuse to issue a refund for merchandise I never received. I've filed disputes with XXXX, XXXX, XXXX, and the XXXX XXXX XXXX XXXX XXXX XXXX with no results supporting my conundrum. Meanwhile, Synchrony Bank/PayPal Credit continues to contact me by phone, email, & mail for payment and are adding interest & late payment fees making the total balance due {$260.00}. Now my credit rating has dropped from XXXX ( XXXX ) to XXXX ( XXXX ). I will not pay for something I never received. Synchrony Bank/PayPal Credit needs to do the right thing and refund my account to a {$0.00} balance.
Consumer complaint received 2024-04-30
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. (CA)

SEE ATTACHED FTC AND UCC 11 RESULTS FOR ALL FALSE LEIN HOLDERS AND A-L FINANCIAL ACCOUNT. 
Blatant Violation of Consumer Rights and Potential Securities Fraud It has come to my extreme dissatisfaction that no clear and conspicuous consent was ever obtained from myself, the consumer, for the furnishing of credit reports by any creditor or credit reporting agency ( CRA ). Neither written nor verbal permission was granted for the reporting of my transactions, nor was I ever informed about the distribution of my personal information to third parties. 

This blatant disregard for the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ) is unacceptable. Congress explicitly prohibits the reporting of my non-public personal information without my clear and conspicuous opt-out, as outlined in 15 USC 6802 ( b ) ( 1 ). Despite this legal requirement, my information has been used by creditors, third-party debt collectors, and CRAs like Experian, XXXX, and XXXX, not only resulting in identity theft but also potentially constituting securities fraud. 

Furthermore, my explicit request over two months ago to block and remove these reports, as mandated by 15 USC 1681C-2, has been ignored. This blatant disregard for the legal timeframe of four days for processing such requests is a further sign of your negligence.

Be warned : 15 USC 1681 ( b ) demands that CRAs implement reasonable procedures for handling consumer credit information with fairness and equity. This includes ensuring confidentiality, accuracy, and proper utilization of data, all of which have been demonstrably violated in my case.

Your continued furnishing of these reports without my consent opens the door to potential securities fraud charges under my Congressional findings.

I demand immediate action. Cease and desist all further reporting of my personal information without my explicit authorization. Additionally, I expect a full and swift investigation into this matter, including the removal of all inaccurate information from my credit reports within the legal timeframe.

Consider this a formal warning. I will not hesitate to pursue legal action against all involved parties if these violations persist.
Consumer complaint received 2024-06-12
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: HSBC NORTH AMERICA HOLDINGS INC. ()

I have been a victim of fraud. Yesterday, while attempting to apply for a link with XXXX, an XXXX XXXX sales representative, I inadvertently shared my HSBC credit card details during a screen share session. Subsequently, an unauthorized transaction of XXXX XXXX was made to 'XXXX XXXX  '. I have already taken the precaution of blocking my HSBC credit card and have attached a screenshot for reference. date of XXXX and XXXX XXXX  I have block the card aswell and also raise the ticket, cyber complaint also done.