davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-28
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: EQUIFAX, INC. (NC)

I filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

In accordance with the Fair Reporting Credit Act this creditor has violated my rights under 15 USC 1681 Section 602 which states I have the right to privacy ( 15 USC 1681 section 604a section 2 ). It also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. My XXXX account is reporting as late, please remove these late payments immediately. My XXXX account is reported as late, please remove late payments immediately. My XXXX XXXX is reporting late, please remove these late payments immediately. My XXXX  is reporting as late, please remove these late payments immediately.
Consumer complaint received 2023-12-06
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. (IL)

In accordance with the Fair Credit Reporting act XXXX  using 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-04-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-04-23
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. (NJ)

I recently reviewed again my credit report 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. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2023-09-01
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. (IN)

The information in the application isn't 100 % accurate The social security number linked to the phone number in the application belongs to another individual I am a victim of fraud, & the reporting agencies haven't proved beyond a reasonable doubt that I had anything to do with that loan application, on the other hand I can prove beyond a reasonable doubt that i had absolutely nothing to do with that application. I have history of submitting complaints with cfpb & I have an attorney now so at this point, with my records I will build a lawsuit and sue every party involved for aiding & abetting XXXX, XXXX, XXXX, Experian & the employees thereof
Consumer complaint received 2023-12-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (IN)

Navient, after already having issues with them, continued to call and harass me about the Navient student loan. They called and left messages on my cell phone 3-5x a day for several months. They also add on unnecessary fees and refuse to defer or adjust the loan as necessary due to inability to repay. They said they couldnt do anything for me. With {$1500.00} per call that is against the fair debt collection act, this should nullify the loan to be marked as paid in full. I have proof of the voicemails and illegal calls.
Consumer complaint received 2023-11-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act, the accounts numbers XXXX XXXX the company XXXX XXXX XXXX the total debt is {$9100.00} has violated my rights. 
Pursuant to the Fair Credit Reporting Act, Section 1681i ( a ) ( 5 ) ( B ) ( iii ) ( III ), you are obligated to include my statement in any subsequent consumer report that includes the disputes information.
Consumer complaint received 2024-04-23
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. (GA)

I recently reviewed again my credit report 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. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2023-12-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (HI)

I did not receive an invoice from XXXX XXXX XXXX and the first I knew about this was a collection call from Credence. 
After calling my insurance and communication with the collection company was informed to wait Until it was sorted out. 
I did not receive any information by mail or phone with updates. 
On XX/XX/ I received another collection call this one for a lower amount. No Breakdown of charges or explanations of new charges was given. 
I also could not understand the person very well due to a language barrier.
Consumer complaint received 2023-12-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NJ)

I had my loans switched over from Fedloan to Mohela since the payments were reinstated I signed up right away for autopay. The autopay says it was confirmed on their site however the payment for XXXX said it was processed then a week later got an email that it failed. So I tried to manually pay it and it said it was processing then again a week later I get another email the payment failed. Completely ridiculous now I have to waste my time on hold for hours to fix something that is clearly their issue because I have seen multiple people complaining of the same issue. Never had one problem with Fedloan when they had my loan why would they switch it to a company that can not handle this volume of people and process simple payments. Then they think they are going to charge fees and interest on top of it.
Consumer complaint received 2022-10-27
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)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-04-19
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. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (FL)

To : TD BANK USA, N.A. ( Target ) and TD BANK , N.A . I write to advise you that I plan to file a lawsuit against you in the United States District Court XXXX XXXX XXXX Florida XXXX XXXX due to your multiple and ongoing willful violations of the FCRA and FDCPA. I need you to provide me with a list of options and preferred options to have the Summons and Complaint served upon you. Please advise me of your registered agent name, address and phone number for service of process in Florida AND all branches, offices, agents, attorneys or representatives in XXXX XXXX, Florida and in any other counties in Florida who can and are authorized to accept service of process. Moreover, after filing a lawsuit, I plan to send you a Notice of a lawsuit and request to waive service of a summons to reduce costs of service and provide you with additional time to respond. This may provide you with additional time to respond, instead of 20 days. For your convenience, please provide me with your preferred address to send such Notice with the Complaint, such as your Legal Department. Local Rules of the USDC XXXX XXXX XXXX Florida require your counsel to confer with me before filing even routine motions to ascertain whether I oppose or unoppose a motion. If your counsel files a Notice of Appearance before a Clerks Default is applied for and needs an enlargement of time to file responsive pleadings, you may file a copy of this document representing to the Court that I do not oppose up to a 30 day enlargement of time to file responsive pleading to comply with the Rules obligation to confer. However, If you do not provide me with the information requested above and you are properly served with a Summons and Complaint, I will promptly at the earliest date possible file an application for a Clerks Default and a Motion for a Default Judgment.
Consumer complaint received 2023-12-11
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. (NC)

My loan processor was switched from XXXX to Aidvantage. As the commencement of the COVID forbearance was ending I wanted details about my loan. when trying to get details. no one could provide me the dates interest started incurring on my account. No dates were able to be given, no details of charges were able to be given, and my status as an active student was no in the system. Mid school year I have been incurring daily interest with no details or established repayment process. Super unorganized.
Consumer complaint received 2023-12-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MD)

My student loans have recently been transferred to a new service provider, MOHELA. Upon restarting payments in XXXX. I have been diligent in making sure my automatic payments where established before repayment began. I also made an extra payment in XXXX to cover the interest that accrued for that month. When I logged into my account 2 weeks later, I noticed there was a balance of an additional {$50.00}. So, I paid the {$50.00} dollars at that time. From there, I fully expected for my automatic payments to take over and for my account up-to-date. I checked my account today and not only has MOHELA skipped a payment for the month of XXXX. They are incorrectly calculating the interest payment and applying my payment to the interest only. Nothing has been applied to my principle. I called MOHELA today, XX/XX/2023. After navigating through a series of convoluted auto responses for 20 minutes. I was able to request to talk to a representative to which I was placed on a 1hour and 30 minute hold. When I was finally able to take to a person. I detailed my issue and the rep and I both calculated what the interest should be. We both came to the same number. She then escalated it to another department who denied wrong doing. I would like for this company to be investigated and audited for negligent and erroneous loan mismanagement. As I type to compliant, I am currently still on hold waiting to talk to a supervisor. I have hold for an additional 2 hours and 30 minutes.
Consumer complaint received 2023-11-01
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: JPMORGAN CHASE & CO. (TX)

There is an unidentified inquiry to JPMCB Card made on XXXX ( overnight ) for a credit card with 0 months repayment terms that I did not make. Chase is not seeing the report on their end, but it is clearly showing as a hard inquiry on my XXXX account affecting my XXXX score. 

There is also another hard inquiry to XXXX XXXX XXXX on XXXX that is showing as " unspecified ''. XXXX also shows nothing on their end, but again, this is impacting my credit as a hard inquiry. 

My XXXX XXXX XXXXXXXX account was hacked as well and there were two separate orders for around {$8000.00} dollars made by someone in XXXX Texas. This has been resolved with the store and the charges are being reversed. Address for the delivery of these items to the person who made the charges is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the phone number this person provided is XXXX My XXXX XXXX XXXX were also stolen and used to make Hotel reservations at the XXXX XXXX XXXX XXXX Alabama XXXX Guest name given on the reservation is XXXX XXXX. I have reported this to XXXX XXXX fraud department and they are sending a report for me to complete later today.
Consumer complaint received 2023-02-13
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Paypal Holdings, Inc (CA)

My sons student checking account was charged in error for my PayPal credit line and PayPal XXXX payments. 

When we noticed the error, we immediately reached out to Paypal to advise them that the withdraw ATTEMPTS were not authorized. 

PayPal stated when I linked my bank, their system automatically added ALL my families XXXX XXXX XXXX accounts- including my students checking account. 

PayPal eventually removed his checking account # from their system but in the interim, since they attempted to charge his account- he has {$120.00} in NSF bank fees. 

I requested PAYPAL to be reimbursed since he nor I authorized his student checking account to be charged. XXXX only XXXX XXXX XXXX and has no credit cards. 

PayPal denied my request and stated I would need to reach out to my bank to have them reverse the NSF fees. However, our bank, XXXX XXXX XXXX will not reverse the fees because they said its not their error but rather XXXX error.
Consumer complaint received 2023-09-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (GA)

The company has violated the Electronic Funds Transfer Act and also 15 USC 1666h of the Truth in Lending Act by removing/transferring deposited funds from my consumer checking account without my expressed written consent. The funds that were removed/transferred were applied to other alleged delinquent credit card accounts to satisfy alleged debts. 

Due to the companys actions, my consumer accounting has been severely thrown off and has created a snowball effect within my consumer finances as a whole. 

On Friday, XX/XX/2023 I spoke with a XXXX, alleged supervisor in resolutions who became extremely rude as I expressed my rights as a consumer. XXXX began to express that I am bound by the company 's agreement. I informed him that I can not be bound by any agreement that violate my rights as a consumer. I also made him aware that my consumer relationship with the company is only governed by the Consumer Credit Protection Act and any other Act of Congress put in place to protect the rights of consumers. He proceeded to become extremely loud and disconnected the call abruptly. XXXX 's actions shocked me and cause me to lose faith in the financial institution and caused deep discouragement. 

I then called back immediately and spoke with XXXX, supervisor in resolutions who heard my complaint and listened carefully. Unfortunately she did not have the power or authority to redress the matters mentioned, but directed me to address my concerns with Navy Federal 's message center.
Consumer complaint received 2023-11-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Specialized Loan Servicing Holdings LLC (MA)

specialized loan servicing was the company that on XX/XX/XXXX send me a certified letter that i have 90 days to pay past due amount of XXXX by XX/XX/XXXX i will be forclosed on. the loan was modified in about XXXX from XXXX XXXX  XXXX. i have never been late since this was done... why would anyone wait almost 15 years to send a certified letter to forclose and not send it a year into the loan. loan amount i found out was XXXX now over XXXX is do,, i dont remember this, its should have been with modification. i also was in bankruptcy at the time of ythe housing crash. 

also note at the time my name was XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2023-11-29
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: EQUIFAX, INC. (NY)

I have inquiries on my credit report that are false and did not come from me. I have inquiries from the following that I did not inquire about : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc. (OH)

I am requesting that Aidvantage REMOVE of ALL dispute narratives/comments/remarks from my XXXX, XXXX, and XXXX consumer reports. This is my second request to have these dispute narratives removed. After my first request your company sent me a letter on XX/XX/23 that stated you removed the dispute narratives from the loans with the consumer reporting agencies but this did NOT happen and it is stopping me from obtaining the credit and loans that my family needs.

As the furnisher of this information it is your duty to promptly notify the consumer reporting agency of any updates/corrections necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate.

FCRA 623a ( 2 ) ( B ) Duty to correct and update information.
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: HW Holding, Inc (CA)

1. Hunter Warfield Inc is currently furnishing and reporting information to my consumer report. 

2. I have no relationship with this agency and have no idea how they acquired any access to my consumer report or private data. 

3. It appears they are a debt collection agency based out of Florida. 

4. They sent me an email stating " This is an attempt to collect a debt ''. 

5. I do not know how they got my personal email to send me that. 

6. Hunter Warfield Inc. and XXXX XXXX XXXX XXXX do not have my consent to furnish this negative information and they surely do not have my written consent. 

7. Any and all consent to XXXX, XXXX, XXXX, Hunter Warfield Inc., and XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked effective immediately. 

8. The adverse item being reported has nothing to do with any sort or crime or conviction thereof and is not equitable to the report.
Consumer complaint received 2024-04-23
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: EQUIFAX, INC. (NY)

Upon reviewing my XXXX, XXXX and Equifax credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next XXXX business days.