davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-21
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. (FL)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX 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 Balance Owed : {$1100.00} ; XXXX XXXX XXXX Balance Owed : {$760.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXXBalance Owed XXXX {$440.00} ; XXXX XXXXXXXX Balance Owed : {$620.00} ; XXXX XXXXXXXX Balance Owed : {$740.00} ; XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1400.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$180.00} ; XXXX XXXX XXXX Balance Owed : {$210.00} ; XXXX  XXXX XXXX Balance Owed : {$58.00} ; XXXX XXXX XXXX Balance Owed : {$3200.00} ; XXXX  XXXX XXXXIBalance Owed : {$43.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance Owed : {$100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed XXXX {$730.00} ; XXXX XXXX  ( OriginalCreditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed XXXX {$1200.00} ; XXXX  XXXXBankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-05-05
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. (CA)

I've asked the credit bureaus XXXX, Equifax and XXXX to do a through investigating of my report and correct any inaccuracies. They sent me a letter back from all XXXX bureaus and stated that all the information was correct and accurate. I followed up and did my own investigation my self and found incorrect and inaccurate information after they did their investigation. 

I asked the reporting agencies to look into XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX 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, In accordance to the fair credit reporting act XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C. 1681 section 602 A. states that I have a right to privacy. 

15 U.S.C. 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

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. 

Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 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 2023-05-05
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. (KS)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX 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  A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section : It also states a consumer reporting agency can not furnish 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 XXXX 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 2023-10-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (CA)

AIDVANTAGE IS SENDING OUT FRAUDULENT LETTERS I received a letter in error from Aidvantage dated XXXX XXXX XXXX regarding consolidation application denial. MY FEDERAL LOANS WERE CONSOLIDATED WITH THE DEPARTMENT OF EDUCATION - 6 MOS. AGO ( Effective : XXXX XXXX XXXX ). Yet, I am receiving a denial letter 6 months later from Aidvantage. 

My federal ( FFELP ) loans with XXXX ( since XXXX ) were directly consolidated with the Department of Education back in XXXX XXXX XXXX XXXX. I am in repayment under the Direct Loan Consolidation program with the Department of Education. I am on the SAVE plan and a candidate for the IDR Waiver - one-time payment account adjustment. 

Not only is Aidvantage 's letter a significant error of fact and context, but it demonstrates false claims of ineligibility. This translates to fraud and abuse. I am demanding a retraction and correction letter from Aidvantage immediately. My loan servicer is no longer XXXX, and it has never been Aidvantage! My loan servicer is XXXX XXXX who are also committing serious issues of their own but that is a different case entirely. 

For the record, I have also received email an official notification from the Department of Education that I am a candidate for loan forgiveness under the IDR one-time payment account adjustment aka IDR Waiver. In fact, there is no better poster child for Direct Loan Consolidation with the Department of Education and IDR Waiver than me. 

Please note I have put Aidvantage on notice that my demand / complaint letter to them dated XX/XX/XXXX is being used with other exhibits attached to a formal complaint against Aidvantage which will be directed to the states attorney general office and regulatory agencies, which cite Aidvantages continued widespread failure, abuse, and unlawful conduct on behalf of its parent company Maximus Federal Services. 

Please investigate Aidvantage 's senseless, and what I believe are intentional errors, because Aidvantage ( Maximus ) is really for all intents and purposes XXXX XXXX ( my former loan servicer ) who is still harassing me with refinancing letters with them in order to try and scam me out of student debt relief! In this regard, on XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have notified Navient of these wicked and deceptive practices. This is public record. 

I can be reached any time by phone or email. 

Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: R & B Corporation of Virginia (VA)

Items by XXXX XXXX XXXX Still showing on credit report, pass the statue of limitations in my home state. Under Virginia code 8.01-246 ( 4 ) Statute of Limitations on Debt in Virginia Debt Type Deadline Open account 3 years Oral contracts 3 years Auto Loan 4 years Written contracts 5 years Credit card 5 years Medical debt 3 years
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (FL)

I have a credit card from AMEX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called AMEX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and XXXX with no successful resolution. XXXX, XXXX, and XXXX reporting me 30 days late in XX/XX/2021, and XX/XX/2021. There was an error on their part. I was never 30 days late twice.
Consumer complaint received 2023-10-30
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. (TX)

This started when I attempted to see if the recent SAVE act would decrease my monthly payments. 

I put in my data into Aidvantage 's website, and they automatically enrolled me in a payment plan that increased my monthly payments by almost XXXX. See screenshots. 

I immediately tried to change my payment plan back, but Aidvantage has prevented me from being able to do so. 

I emailed them as directed on XX/XX/XXXX, and received a 'no reply ' email that indicated I would receive a response in 2 business days. It is now 15 days later with no response. 

You can not call them since no one answers the phone. You can not 'request a call back ' as on their website as all times are blocked out. 

They are attempting to lock me into a higher loan payment and this negligence should be criminal.
Consumer complaint received 2023-05-05
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: R.M. Galicia, Inc. (CA)

I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
Consumer complaint received 2023-09-19
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC. (PA)

You're violating my consumer rights. Its evident that you've violated my cease and desist order! You do not have permissible purpose to furnish anything in reference to me to the consumer reporting agencies without my consent. Im demanding you to cease communication with me through all mediums, including consumer reporting agencies! Pursuant to 15 USC 1692c ( b ), you did not have my prior consent to communicate with any third party, in connection with the collection of any debt, with any person other than the me! You're damaging my reputation with these unfair and deceptive practices along with affecting my credit worthiness with this unauthorized reporting. Failure to comply with force me to exercise my consumer rights against this organization!
Consumer complaint received 2023-10-24
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: ALLY FINANCIAL INC. (GA)

I sent a dispute to Ally Financial on XX/XX/XXXX to delete a charge of closed account as of XX/XX/XXXX on my XXXX credit report. When the dispute was completed On XX/XX/XXXX. Ally Financial updated to XXXX that the account is a Charge Off and reopened the account back up after 2 years and it states I missed a payment now and stopped my credit score XXXX points. I made over 30 calls to Ally Financial along time to update this account correctly as being closed and charged as off since XX/XX/XXXX they have not given me nothing but the run around with no update correction to XXXX and now I have a recent missed payments because they reopened a charged off account from almost 2 years ago..
Consumer complaint received 2023-12-26
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. (NY)

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 party. 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 2023-10-12
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: CarMax, Inc. (TX)

Creditor : Carmax Auto Finance Months : XXXX, XXXX and XX/XX/2023 Current Status : 30-59 days late In accordance to the Under the Fair Credit Reporting Act ( FCRA ), this creditor has violated my rights of reporting inaccuracies of payments that has been made on time. The account has been current for 4 months now, So the current status should reflect on time. 

Under 15 U.S.C 1681A section 602 ; says I have a right to privacy Under 15 U.S.C 1681A section 604A section 2 ; consumer reporting agency can not furnish an account without my written consent.

Under 15 U.S.C 1666B ; a creditor my not treat a payment on an open consumer account as late for any purpose.

Under 15 U.S.C 1666CA Prompt and fair crediting of payments, Payments received from an obligor under an open end consumer credit plan by the creditor shall be posted promptly to the obligors ac- count as specified in regulations of the Bureau . Such regulations shall prevent a finance charge from being imposed on any obligor if the cred- itor has received the obligors payment in read- ily identifiable form, by XXXXXXXX XXXX. on the date on which such payment is due, in the amount, man- ner, and location indicated by the creditor to avoid the imposition thereof.
Consumer complaint received 2023-10-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (CA)

Statement Supporting my Appeal to the Denial of my Fraud Claims with Citibank XX/XX/XXXX XXXX ) I am a signatory on the Citibank checking account on which this fraud occurred and the person initiating this fraud claim appeal. 

XXXX ) I have a checking account with Citibank , N.A . located at XXXX and XXXX in XXXX XXXX, California. 

XXXX ) On XX/XX/XXXX I wrote a check to XXXX ( a XXXX man operation ) for {$19000.00}, dated XX/XX/XXXX for the purchase of equipment and materials by this XXXX for the purpose of installing a new heating and air conditioning system at my residence. 

XXXX ) Because XXXX requested another form of payment, the check was voided by the printing of the word VOID across the entire face of the check in large, clear, handwritten print ( A copy of this voided check, entitled Exhibit A is attached to this document ) XXXX ) Apparently XXXX, who gained possession of this check which was clearly voided, was able to fraudulently apparently cash it at a Citibank branch on XXXX XXXX without my knowledge, consent or approval, and totally against my wishes. 

XXXX ) I didnt discover this fraud had taken place until XX/XX/XXXX. That very same day I filed a fraud claim with Citibank. The Citibank form I completed was entitled Statement of Unauthorized Use in cases of Forgery, Alteration, Counterfeit or Unauthorized Remotely Create Check. 

XXXX ) My initial claims and appeals with Citibank were denied. In this document I am appealing all previous denials with additional documentation to support my claim of fraud. This appeal now includes the following documents : ( A ) This document detailing all the circumstances surround the fraud ( B ) A copy of the initial fraud claim I filed with Citibank ( C ) A copy of the voided and cashed check ( D ) A copy of the police report I filed ( E ) A copy of complaint I filed with Consumer Financial Protection Bureau 10 ) As a professional banking institution, when Citibank cashed this voided check, it breached its legal duty to exercise ordinary reasonable care in the handling of the check and is now liable for its unprofessional and negligent actions. 

XXXX ) Citibank is therefore now legally responsible to compensate me for my loss caused by its actions by restoring the money I lost when it negligently cashed the voided check : {$19000.00} XXXX ) This document is intended as a formal appeal to all previous denials of my claims and appeals regarding this matter.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: T.S. Holdings (CA)

The account is listed on my credit report by the company XXXX XXXX XXXX - XXXX. 

They keep reporting this debt saying that I incurred this debt while living at the following address : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX. 

I have never lived at that address.
Consumer complaint received 2023-04-20
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. (DE)

I have disputed items and an investigation ( 15USC 1681a ( e ) ) was not done. I called and was told their investigation was send over my dispute to the same company ( entity/corporation ) that committed and or allowed the identity theft, and Fraud to send over the same fraudulent documents and say it was verified ( 15USC 1681q ( 3 ) ). I do not own the debt and or did not make the transaction or consent or give authorization to a contract. 15USC 1681c ( 2 ) 15USC1681a ( 2 )
Consumer complaint received 2023-10-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SN SERVICING CORPORATION (TX)

During COVID, we had very little to no income. We discussed this on repeated occasions to our prior mortgage company ( XXXX XXXX and/or XXXX ) and to the current, SN Servicing Company .

Our prior mortgage company had mentioned that we could have our payments go to the back of the loan, which we were in the process of that ; however, without any notice, our loan was sold to SN Servicing Company. 
No explanation about our account and/or the discussions that we had been discussing, SN Servicing claimed that they knew nothing about it. 
NOTE : We were paying our mortgage at the time when they sold us. One day I was paying the old company, then without any notice, they deactivated us and we were left on our own trying to find out what was going on. We did not want to be delinquent. 
Some time later ( a few months ), we finally received communications from SN Servicing saying that they had taken over the loan and that we owed them approximately $ XXXX. 
They had some rude guy on our account who demanded that we pay it immediately and claimed that since he had no knowledge of our previous communications with our previous lender ; it was irrelevant to him. He even hung up on us a few times alleging on the call that we were getting " abusive '' further delaying setting up payments ; getting us activated on their system ; etc. Although, we finally did get set up eventually. But SNSC dragged in responding to repeated requests. 
In XXXX this year, we finally spoke to XXXX XXXX. We started over and explained everything all over again for the millionth time and last we left it was she was going to discuss our issue internally along with she sent us information to apply for assistance. When my husband did the application, he did not do it correctly and we were denied. He reached back out to XXXX to tell her and asked what needed to be done to correct it and redo the application. To date, she has not responded to him despite NUMEROUS messages to no avail.
Consumer complaint received 2023-10-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (TX)

On XX/XX/2023, I requested a change to my repayment plan for my student loans with Nelnet. I requested a graduated repayment plan and received confirmation via email that it would be implemented within 7-10 business days. Nothing has changed with my account since then ( over a month ). I have tried several times to contact them via telephone ( with multiple hours of being on hold before being disconnected ) and via email with zero responses. Today I have been on hold on their help line for over an hour and a half with no response.
Consumer complaint received 2023-05-05
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: HW Holding, Inc (CA)

I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.