davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

You are in Direct Violation of the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX has violated several of my rights. 

15 U.S.C. 1681 section 602 A : Clearly states that 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 an 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.

Remove these late payments and update this account immediately as you are in direct violation of several laws under the Fair Credit Reporting Act.
Consumer complaint received 2023-12-29
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. (CA)

I've recently had my Experian and XXXX accounts taken over by fraudsters. Both of these accounts have been locked down for weeks. I've sent via mail all the necessary identity information they requested in order to give me back access and after placing weekly calls to both these credit bureaus they still say its being processed and I don't have access.
Consumer complaint received 2023-02-21
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. (FL)

I sent out a letter to XXXX on XX/XX/2023 disputing XXXX accounts reporting late payments and also disputed online. They have investigated and results came back verified and updated. However, the late payments were not removed. 

In accordance with the Fair Credit Reporting Act, both : XXXX account ending XXXX XXXX  XXXX account ending XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for a purpose.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Global Lending Services LLC (TX)

I applied for a car and only gave the dealership authorization to run my credit once. Instead they ran it multiple times. According to FCRA 605B, it is illegal to report information on my credit report without my permission. This is a defamation to my character and I would like this removed immediately.
Consumer complaint received 2023-12-07
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Peer Advisors, LLC (PA)

The IRS sent form 1099C for the cancellation of the debt. The Company which is Compu Link Corporation ( FHA case # XXXX ) has not cancelled out the debt nor have they XXXX  out the balance and have sent me threatening letters in the mail. The form was sent to them on XX/XX/2023. 18USC Section 241.
Consumer complaint received 2024-02-19
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: UNIFOUR FINANCIAL SERVICES, LLC (NC)

on XX/XX/XXXX Unifour financial hired a third party non affiliate to repossess XXXX XXXX charge a vehicle that was financed through the company. the company stated the reason for repossession was due to lack of insurance. on Tuesday XX/XX/XXXX I spoke to a representative over the phone that exclaimed that the car did not have insurance, I expressed the vehicle did have insurance. it was not discovered until I called on the XXXX after the repossession, that unifour financial team was able to determine that the vehicle did have insurance which would make the repossession one that was false and misleading. 
pursuant to 15 usc 6802, 15 usc 1692f ( 6 ) Unifour financial has violated my consumer rights. along with causing time to be missed for work, picking kids up from school etc.
Consumer complaint received 2023-09-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (TX)

I put a stop payment for progressive leasing and the funds still came out of my account for {$510.00} and I was charged {$20.00} for the stop payment fee. 
I am protected by the FDIC which my deposit insurance protects me as a customers in the event that an FDIC-insured depository institution fails. Bank customers dont need to purchase deposit insurance ; it is automatic for any deposit account opened at an FDIC-insured bank. Deposits are insured up to at least {$250000.00} per depositor, per FDICXXXXinsured bank, per ownership.
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I implore you to take action and remove these fraudulent accounts from my credit report immediately. I did not authorize or initiate these accounts, and it is unfair for me to be held accountable for them. I urge you to take the necessary steps to rectify this error as soon as possible.
Consumer complaint received 2023-11-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (TX)

Hello on XX/XX/ I once again attempted to check my account online and yet again same issues. I have not been able to use the mobile app are the internet app for PNC bank since the account has been open now for 1 year I have call over and over again to just get excuses. I there a service that I should have access to why is it the bank can not figure it out I have been dealing with this a full year. The IT department has not reached out to me are attempted to correct the issue that is truly on their end. This need to be corrected and stop giving accuses. The PNC system says it does not recognize me ; I am only able to check my account through their phone voice banking. A consumer to not be able to check their account with the services that are offered.
Consumer complaint received 2023-11-03
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA (MI)

In XX/XX/2023 I applied for an IDR, was approved, & received confirmation. However, rather than placing me in the IDR they instead put me in standard repayment without my knowledge or consent. When the new SAVE IDR became available, I applied for it through the .gov website. MOHELA rejected my application for SAVE IDR from the .gov website immediately, CLAIMING that they didn't receive any of the supporting information. They already had this on file from XXXX & there's no way it wasn't a system error on their end importing information from the .gov site. Meanwhile, their hold times to phone into MOHELA to gain clarification are so hideously long that I literally am forced to TAKE AN ENTIRE DAY OFF WORK in order to communicate with my " loan servicer ''. I have logged nearly 4 hours on the phone with MOHELA in the month of XXXX alone trying to get through to them and trying to find a resolution to this issue. The calls frequently drop or disconnect, their agents are rarely able to assist, and often create more problems than they solve due to incompetence! When I finally got through, they made me re-apply for the SAVE IDR. It has been a full month since, & in the meantime, they have placed me into FOREBEARANCE status. I am in PSLF & am concerned this FORBEARANCE status will have a very negative effect on me. I once again had to take a day off work to call MOHELA. I am still in FORBEARANCE & my SAVE IDR still hasn't been approved. Upon sitting on hold for many hours, I was finally informed of the error with being put into standard repayment despite having approved me for PAYE IDR in XXXX, & that if they removed FORBEARANCE while waiting for SAVE IDR application to process, I would be billed an insane amount. After speaking to the resolutions team, who offered a myriad of unhelpful and ill-informed resolutions without even taking the time to read the notes on my account, they entered an IDR application again, WITHOUT MY CONSENT, which I have no idea how will confound and prolong my situation. I repeat - your resolutions team representative filed an IDR application WITHOUT MY CONSENT. MOHELA 's incompetence and poor customer service can only be considered volitional at this point. They are ethically obligated to correct this.
Consumer complaint received 2023-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

According to FCRA Section 611 ( 15 U.S.C. 1681 ( l ) ), I have the right to dispute any information on my credit report that I believe is not correct. I reserve the right to dispute any information that I deem to be inaccurate. If there's something on my credit report that doesn't seem right, you can bet that I'll be taking action to get it removed.I can not recognize or accept the allegation of delinquency without factual proof. There must be some sort of evidence to back up the claim. Otherwise, I can not and will not recognize or accept the allegation. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible.You should not report any claims that you know or should know are not in compliance with regulations and the law. If you do report such claims, you could be subject to fines or other penalties. Furthermore, reporting claims that you know are not in compliance could damage the reputation of your company.I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. Please provide any documents or records you may have that can help corroborate the account and it's permissible purpose.I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.I hereby authorize you to take whatever steps are necessary to correct my credit. Please send me physical proof of any actions taken on my behalf. I appreciate your help in making sure my credit is in good standing.
Consumer complaint received 2023-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, 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 an 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 2023-04-24
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: Experian Information Solutions Inc. (GA)

I have recently looked into my credit report and noticed unauthorized inquires that I am not aware of. I did not authorize any of these companies to run my credit. I contacted each company and neither one could give me any information on where the inquiry came from. I have reached out to the credit bureaus fraud department directly to resolve the matter but they have been unresponsive and ignored my many requests for a resolution. the items still remain on my credit report. 

XXXX Unauthorized Inquires : XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX Inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Immediately delete these accounts because I asked for sufficient evidence from each company and the 15-day window has passed. Due to improper communication, I demand that these accounts be deleted right away, or I will file a lawsuit since my rights as a consumer have been infringed. I am appalled by your lack of assistance to consumers, and I urge you to reconsider. Please solve this case to my satisfaction or I will take additional action to obtain the results I require. My credit is very important to me, my rights are being infringed, and I am in a deep XXXX as a result of this circumstance.
Consumer complaint received 2018-10-30
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 — Investigation took more than 30 days
Company: Innovis (AR)

XXXX, XXXX, INNOVIS FAILED TO REMOVE THIS ACCOUNT AFTER A 47 DAY DISPUTE AND XXXX XXXX XXXX WAS SUPPOSED TO REMOVE FROM BUEAUS.
Consumer complaint received 2023-11-22
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: CITIBANK, N.A. (NY)

I have no knowledge of these inquires, listed as - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Cbna- XXXX ( XXXX  ) - Citibank ( Best Buy ) - XXXX XXXX
Consumer complaint received 2023-11-03
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. (NY)

I have made 3 payments that were processed. I received emails confirming this. Payments were never deducted from bank account. Days after confirmation of payments received, the loan status appears as payments reversal the company claims I have not made payments and has charged me interest. And outstanding balance of the double of my payments appears on the account. Overdue payments appear in red. My total amount has increased.

I called my bank and the representative explained that there was never an attempt or claim from aidvantage to collect payments. 


I made two payments of XXXX
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

My account with XXXX XXXX was never late! I have had exceptional payment History With XXXX XXXX and all payments were placed in XXXX. This late payment that is reporting is a result of a systematic error on their end processing my payment. This was clearly a billing error made by the company and it is not a reflection of my payment which violates USC code 1681eb. This error has caused severe hard to my Reputation, my character, my mode of living and to my family! I demand the late payment reported in XX/XX/2023 to be removed. XXXX XXXX never sent any periodic statements along with the disclosures from section 1637 ( b ) therefore there is no record of this late payment. 
XXXX XXXX - XXXX
Consumer complaint received 2024-01-07
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC (NY)

Indigo Mastercard also previously known as genesis fs card services is a huge scam, i fell behind on payments and they email me an offer settlement which i agreed on and paid. 3 weeks later my credit is hit saying Im past due on my account when i have proof showing i settled and got a letter showing the remaining balance was forgiven and account was closed and monthly my account balance still shows its going up on a closed account.
Consumer complaint received 2023-11-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA (NJ)

I previously submitted a complaint about MOHELA through the Consumer Financial Protection Bureau ( CFPB ) regarding my monthly payments under my Income Contingent Repayment ( ICR ) Plan. MOHELA 's response indicates that they did not read my complaint thoroughly and based their answer on an incorrect assumption. 

I would like MOHELA to read this new complaint very carefully. I want my monthly payments to be prorated based on the total amount of federal student loan debt both my wife and I have. 

The Department of Education states : " So, any time we use a joint income to calculate your payment amount, we will also take into account any federal student loan debt your spouse has. We will then prorate your payment based on your share of your and your spouse 's combined federal student loan debt. And for the record, your spouse doesn't need to be repaying his or her federal student loans under the same repayment plan as you or even under an income-driven repayment plan. '' If you read further in the article and the XXXX attached, it shows how to calculate the monthly payments WITHOUT including my wife 's loans in the ICR Plan. 

Link to Dept of Education article : https : //www.ed.gov/content/something-borrowed-how-marriage-impacts-your-student-loans
Consumer complaint received 2023-12-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (MO)

I have an auto loan with Wells Fargo. The terms of the loan dictate that if I make payments in excess of the amount due, it rolls into the next payment unless I ask for it to be put towards principal. Once you are 3 months ahead on payments, the excess auto applies to principal. 

I have been making a little over {$30.00} more a month each month on my loan. This month, I looked at my statement and it said I was {$14.00} over due, even though my next payment isnt due until XXXX. 

When I called, I was informed that once you pay 90 % towards the next months payment, your due date is moved to that next month and the 10 % that isnt paid is marked overdue. 

This makes absolutely XXXX sense. How can a person have an overdue amount on their account and be ahead on their payments? I am concerned how this is reported to credit bureaus. 

In particular, this is incredibly misleading and inaccurate and penalizes customers for being ahead on payments.
Consumer complaint received 2023-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-11-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (FL)

My servicer says on their website that I need to contact them to apply for the graduated extended payment plan that I would like to be on. I attempted to call them 3 weeks ago and was on hold for over an hour before I hung up. I emailed them and they sent an automated response that they would contact me back within 2 business days. It has been 2 weeks. I tried to schedule a callback on their website. Every single slot available is grayed out and unclickable. I have never faced a worse possible experience from a website or business and am complaining because I have no other resolution to contact my servicer and apply for the payment plan I would like to.
Consumer complaint received 2023-11-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (TN)

I have been desperately attempting to contact aidvantage for almost 4 months now. I usually wait in hold for XXXX hours each time I call. Usually when the call is answered it drops immediately. Ive also gone to email them and am always told it can take XXXX hours for a response. This is a blatant lie as it typically takes XXXX weeks for a response. I applied for an income driven repayment program which caused my loan amount to triple and when I try to select a new payment plan XXXX informed to contact by phone or email to remove the payment plan. Each email response I get is a canned response telling me I can select payment plans online which is contradictory of what their website says as I have to call to cancel the idr. Im desparsrely trying to get a response from aidvantage to clear this up so I can start making payments. As many others are in the same situation, I can not afford the payment option given to me and do not understand why it is so much higher than my payment was originally before my loan servicer was switched to this awful company.