davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-05
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. (MD)

I made a payment with Aidvantage and added my XXXXXXXX XXXX account. Aidvantage claims they can not find my account even though all the numbers are accurate. My payments towards my student loans keep being reversed as they can not take payments from my bank for some reason. I asked for a reason why and they only provided a copy and paste list of how to make payments. I already know how to make a payment but they simply won't take my money.
Consumer complaint received 2024-04-16
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. (NC)

Transunion has failed to respond to my dispute letter within 35 days. This is well over the mandated time limit set in place by the FCRA and CFPB. I sent out the letter certified mail on XX/XX/2024. It is now XX/XX/2024. I have not received any notification via mail nor online pertaining to the status of numerous disputed items. I did not provide any information to extend the dispute period nor generate a reinvestigation. However, even if I'd had, the clear and concise fact of the matter is this company failed to do any investigation on all of the disputed items.
Consumer complaint received 2018-08-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc (AZ)

Paypal is holding my Financial Information hostage and will not remove my personal Financial Information from their website as I have requested. My account was closed as of XXXX for as Paypal put it Chargebacks and Disputes that were initiated on my behalf, in which I had every right to dispute the rampant fraud that was happening on XXXX and Paypal at the time. This account is no longer active and is such is no longer used to prevent fraud, collect any fees owed, resolve disputes and trouble shoot problems, assist with any investigations, enforce sites terms or conditions, comply with legal requirements : since the account has been de-activated by Paypal any terms and conditions are now considered termed and void under XXXX. 

As for the following accounts under XXXX and XXXX These both accounts are no longer active and is such are no longer used to prevent fraud, collect any fees owed, resolve disputes and trouble shoot problems, assist with any investigations, enforce sites terms or conditions, comply with legal requirements : since the accounts has been de-activated by Paypal any terms and conditions are now considered termed and void. 
Recently in XXXX in the month XXXX, three fraudulent transaction occurred on the Paypal account associated with email XXXX Paypal was useless in this matter and even couldnt give me details on what happening on the matter, in fact these XXXX couldnt even get the money back into my account when this fraud occurred, I have to get my Bank involved to initiate a charge back from this fraudster. Paypal falsely states they will protect my information, when in fact they can not even retrieve money that is stolen out of a Paypal account, they are useless merchant and I want my XXXX personal information removed from Paypal, they have no right under federal laws to keep my personal Banking information, when none of my accounts pertain to the following : prevent fraud, collect any fees owed, resolve disputes and trouble shoot problems, assist with any investigations, enforce sites terms or conditions. These became termed and void once Paypal de-activated my accounts.
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Several Call regarding the updating of my account to the three major credit beaureaus.

Called 3 times in XXXX  and again in XXXX and was told they already updated my account info to the credit company
Consumer complaint received 2023-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-03-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Specialized Loan Servicing Holdings LLC (TX)

Over the course of XXXX weeks, I have emailed and called XXXX times to request that the PMI be automatically removed. I am repeatedly referred to the companies PMI removal fact sheet which clearly shows that I am eligible for automatic removal. I have further researched and read the Homeowners XXXX XXXX of 1998 and other online documentation that also clearly indicate my qualification. However the company refuses to remove the PMI unless I pay for a $ XXXX {$800.00} survey of my home which is not indicated as a requirement for automatic PMI removal in any of the documentation, theirs or public. I pay {$27.00} per month of PMI and that is not worth having to pay $ XXXX {$800.00} for an unnecessary survey but that still does not make it right that this company is arbitrarily keeping money of mine that could be applied to my mortgage principle instead. 

My original loan was XXXX The rules state I am eligible for automatic PMI cancellatiion at 78 % of loan value or XXXX. 
My loan is currently at XXXX. 
I am current on my payments, have been for many years, and I pay close to {$400.00} extra to principle every month. 
My home is worth more than 3 times the original loan and I've invested heavily in renovations and XXXX but I'm not paying for an evaluator that I'm not required to pay for.
Consumer complaint received 2018-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

This dispute involves XXXX XXXX Bank and an inaccurate reporting of my account status. In XX/XX/XXXX I realized that though this account was sold to a collection agency XXXX XXXX XXXX on XX/XX/XXXX that XXXX XXXX Bank was still reporting data to the all 3 credit bureaus ( XXXX, Experian, and XXXX ) with the status being FP or " failed to pay ''. At this time, I initiated disputes with all 3 credit bureaus in regards to the accuracy of the reporting. According to the bureaus, the information was verified as accurate by XXXX XXXX. Subsequently XXXX XXXX in response to these disputes continued to report my account as FP or " failed to pay '' throughout XX/XX/XXXX. After multiple attempts to get this information verified by reaching out to the credit bureaus via letters ( 4 letters in total ) the bureaus began to mention that there was already a dispute open in regard to the matter and that they do not open disputes that have already been verified as accurate. Upon being told this information, I reached out to XXXX XXXX directly and was told that they'd verified the information and would not open an investigation into the matter. After the letter was sent directly to them, they again reported FP or " failed to pay '' in XX/XX/XXXX on an account that had been settled with XXXX XXXX XXXX in XX/XX/XXXX. This has resulted in my credit report reflecting recent missed payments for an account that was sold on XX/XX/XXXX. XXXX XXXX has verified that the account has been in there possession since XX/XX/XXXX and that XXXX XXXX should not have been reporting any information beyond that date. After this account was settled there was still no update to the account as being paid or legally settled for a lesser amount.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NV)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-05-17
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. (CT)

UPDATE TO CLAIM # XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -SECOND NOTICE -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- EXPERIAN is in violation of multiple laws set forth by Congress in regards to the following account XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( EXPERIAN ) shall not furnish any information relating to a consumer ( ME ) if the person knows or has reasonable cause to believe that the information is inaccurate. EXPERIAN is willfully reporting chraged off debt on my consumer report when in reality it is considered income by the IRS Topic 431. This reporting in nature is INACCURATE. These accounts are considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of these accounts inaccurate!. Your inaccurate reporting has caused me severe damages in the form of CHARACTER DEFAMATION and per ELEVENTH CIRCUIT COURT RULING " XXXX XXXX et al. v. Experian Information Solutions Inc '' I WILL SEEK STATUTORY DAMAGES WHERE I NEED NOT PROVE ACTUAL DAMAGES BUT ONLY PROVE WILLFUL VIOLATION UNDER THE FCRA AFTER INITIAL NOTICE TO EXPERIAN.WHICH I NOW HAVE.ASWELL AS A COPY OF THIS COMPLAINT WILL BE ADDED AS AN EXHIBIT. You are in violation under 15 USC 1681c ( 4 ) ( 5 ), 15 USC 1681e ( b ), 15 USC 1681a2 ( ii ) 15 USC 1681b, and I have the evidence of your willful violations which is my initial notice to you via the CFPB and my current consumer credit report as of today.
Consumer complaint received 2018-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Prior to consolidating my student loans I was reported as late in XX/XX/2012 although I was under a forebearance at that time. XXXX  confirmed the dates of my forebearance yet 36 individual loans continue showing with a false 90 day late. I have disputed these with the credit bureaus unsuccessfully. When calling the loan servicer I was told that the lates were under a previous servicer ( XXXX XXXX ) and that they could not remove the falsely reported information although they ( XXXX ) are the current servicer.
Consumer complaint received 2023-02-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (MI)

I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
Consumer complaint received 2023-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DE)

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 2018-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Prior to consolidating my student loans I was reported as late in XX/XX/2012 although I was under a forebearance at that time. XXXX confirmed the dates of my forebearance yet 36 individual loans continue showing with a false 90 day late. I have disputed these with the credit bureaus unsuccessfully. When calling the loan servicer I was told that the lates were under a previous servicer ( XXXX XXXX ) and that they could not remove the falsely reported information although they ( XXXX ) are the current servicer.
Consumer complaint received 2024-07-01
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: Byrider Franchising, LLC (OH)

I am unaware of this debt from CNAC in the amount of {$9700.00} on XX/XX/year>. I was not given the opportunity to dispute this information prior to placing it on my credit report. If you believe I was given proper notification, please provide the certified mail receipt with my signature on it. If you aren't able to provide that please remove this from my credit report.
Consumer complaint received 2023-10-18
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: EQUIFAX, INC. (GA)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, 3 Credit Bureaus are expected to eliminate any records listed below. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$25.00} XXXX XXXX XXXXXXXX Balance Owed : {$7600.00} XXXX XXXX Balance Owed : {$2800.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$560.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$270.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$330.00} XXXX XXXXXXXX Balance Owed : {$1100.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-31
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. (AR)

Im assuming that you either didnt receive my letter on XXXX or your just ignoring me because I clearly noted each every misleading and unverified account I understand that you receive thousands of letters each day but it has now been over 60 days since I have received any investigation results. These accounts are unknown and inaccurate I demand them to be deleted immediately.
Consumer complaint received 2023-09-21
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (AR)

I sent MOHELA as well as studentaid.gov proof of public service for the State of Arkansas in hopes that they would forgive my loans. I have never been in a position to repay the loans and I have always worked for the State of Arkansas and made less than {$40000.00} per year. I have had to file bankruptcy twice due to caring for a XXXXXXXX XXXX and being terminated because I had to be off work due to his illness. I was told that I could not add the loans in bankruptcy. I would like the loans forgiven. I had provided proof of service.
Consumer complaint received 2023-03-14
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: Professional Recovery, Inc. (IN)

15 USC 1681 Section 602 States I have a right to privacy 15 USC 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-07-15
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: GLOBAL CLIENT SOLUTIONS, LLC (MI)

I was working with a debt restructing company, starting in XX/XX/XXXX. My enroller in the program was XXXX XXXX XXXX from XXXX XXXX. I was told they would work with my creditors to negotiate pay offs and eliminate my debt in 48-54 monthes. I signed up for the program and found they used Global Holdings LLC for the money portion of the program and XXXX XXXX XXXX was the attorneys and negotiation company. I was told to not pay on the debts so that they could negotiate. I did not hear anything from the company and I called multiple times to find out what was happening with my accounts since I was starting to get collections notices and offers to settle my accounts. I spoke to the call center a few times between XXXX and XXXX and they informed me that they had no updates for me. I even text messaged the lawyer who had called me to help set his all up XXXX XXXX XXXX XXXX ) XXXX on XX/XX/XXXX. I was told to contact XXXX XXXX XXXX at ( XXXX ) XXXX, she informed me that I had only been in the program a few months and Client Support could help. On XX/XX/XXXX I called XXXX XXXX XXXX again to get an update and there was a strange message about no longer being able to represent. I called after work and spoke with a representative from XXXX XXXX. She informed me that they were no longer able to negotiate on my behalf because they were being sued. I could wait it out or cancel my account. I immediately started making calls to my creditors to tell them what had happened. XXXX informed me they had no records of my accounts being in negotiation and that my debt resolution company had never contacted them.. Since I admitted the truth to them, they could not discuss my account with me until I was no longer with that company. I contacted a lawyer to discuss bankruptcy or my options to recover from this. She recommended I did cancel with XXXX XXXX XXXX. I called XX/XX/XXXX and canceled my account. I received a check minus all the FEES these two companies charged me. In total I paid them {$7100.00} and only received a refund of {$5900.00} They have kept {$1100.00} in fees that in my opinion, they did nothing to earn such fees as my creditors were never contacted. I have attached a copy of the statement they sent me. As you can see they collected. 
Retainer fees of {$75.00} X XXXX = {$150.00} Admin fees {$4900.00} X XXXX {$99.00} Service fees {$410.00} X XXXX = {$820.00} and a Monthly Service Charge {$10.00} X XXXX = {$65.00} Upon canceling, I asked about the fees and the refund of them since there was no work done on my behalf. Global informed me to file a complaint with CFPB, so this is what I am doing. They have not worked with me the since the minute I signed the paperwork. As far as I am concerned this entire set up was a scam meant to pray upon people looking to resolve debt. I have been forced to file bankruptcy. I would appreciate any help you can offer in recovering the money they took from me.