davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Misleading False Reporting These accounts are negligently and inaccurately reporting failing to comply with 15 USC 1681. These are the collection accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-28
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waypoint Resource Group, LLC (AL)

XXXX XXXX XXXX, PUT A COLLECTION ON MY CREDIT REPORT THIS MORNING. I NEVER HEARD FROM THEM OR OF THEM, EVER RECEIVED A LETTER INFORMING OF THIS ALLEGED DEBT AND FURTHERMORE NEVER GAVE ME THE OPPORTUNITY TO DISPUTE, WHICH IF THEY HAD I WOULDVE BEEN ABLE TO LET THEM KNOW THIS IS RESULT OF IDENTITY THEFT. I HAVE ATTACHED THE IDENTITY THEFT REPORT, THE LETTER TO XXXX XXXX XXXX AND THE NOTICE TO FURNISHER IN THIS COMPLAINT. 

All furnishers must have in place reasonable procedures to respond to notifications from XXXX  that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ).
Consumer complaint received 2024-05-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (MI)

In an attempt to consolidate my loans, I used a private lender to pay off my student loans held by EdFinancial Services. On XXXXXXXX a payment of {$37000.00} was made to pay the total of 10 student loans. Rather than applying the payment among the 10 loans, they applied it to half the loans, which resulted in in overpayment of half those loans, while the other half remain unpaid. I then learned in XXXX that automatic payments were made in XXXX and XXXX, which is when I discovered this issue. I then cancelled the auto payments and called EdFinancial to request that the large payment was reallocated to pay off each of the loans and refund the additional payment that were made. I was told that this would be processed at that time. However, after not seeing any changes made, I called to check on the status, only to hear that it would take longer for the issue to be resolved. I have called 4 times since and they continue to tell me the same thing and that no timeframe on resolution could be provided, since those transactions are made by another department. When I requested to speak to a supervisor during my last call, they had said that a supervisor would call me back within 24 hours, which did not occur. Meanwhile interest is accruing on the unpaid loans and I continue to get notices of late and missed payments. It has been 6 months since I made the payment to pay off the loans and there is no indication that they intend to resolve this issue anytime soon.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My credit report is showing late payments to XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative.
Consumer complaint received 2024-05-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Frontline Asset Strategies, LLC (VA)

Frontline Assets at XXXX has been calling my phone looking for someone name XXXX to collect a debt. I keep telling them that he no longer has this phone number and it is my cell phone number now and have been since 2011. They keeping saying the will stop calling me and that has not happened. I will not provide them with my name but it's clear that I am not XXXX. They never say his full name. My name is XXXX XXXX and XXXX assigned me this phone number when I moved to Virginia in 2011. I want them to stop harassing and calling me everyday. Also XXXX XXXX at XXXX has been calling me asking for a XXXX XXXX to collect a debt since I had this phone number in 2011 and when I tell them this is not her phone number anymore, they say they will stop call but keeps calling anyway. I am being harassed by these two companies. My credit is very good and I pay all my bills on time and these calls is stressing me out. Please help!
Consumer complaint received 2024-05-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: AXOS FINANCIAL, INC. (MI)

UFB Direct - Online Financial Institution. The interest rate on my money market account does not appear to be calculating correctly. The APY promised is 5.25 %. When I contacted customer service today ( XX/XX/year> ) they indicated the calculation of interest should be based on an APR of 5.12 %. 

To calculate my interest I multiply the end-of-month balance by 5.25 %, divide that number by 365 ( days ) and multiply that number by the # of days in the month. Example : {$10000.00} end of month balance- XX/XX/XXXX. {$10000.00} X .0525 , % 365, X 31 days ( XXXX ) = {$44.00} interest for XXXX. 

I have been told many times by customer service that I should be multiplying the {$10000.00} by .0512. I do not believe this is correct and will never yield an annual percentage of 5.25. 

Do you concur with UFB Direct or my calculation? If I am incorrect, I do apologize and withdraw my complaint. However, If I am correct, I am concerned that this may be a systemic problem and other consumers utilizing this financial institution my also have their interest calculated incorrectly. 

Please help- Thank you!
Consumer complaint received 2023-11-10
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. (MS)

I have submitted several disputes to the credit bureaus equivalent, XXXX and XXXX. The only response I get back is account verified. I have asked in my letters to provide proof of what youre telling me. I also called XXXX XXXX myself and they keep giving me the run around. How can you verify an account reported on someones credit but can not provide proof that it belongs to them. XXXX was suppose to send me an email of a fraud form and I never received that as of XX/XX/2023. I need this account removed immediately XXXX tired of going back and forth. My next step will be to file a law suit. 

XXXX XXXX acct number XXXX.
Consumer complaint received 2024-05-01
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (NY)

This account represents a clear breach of contract and is fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : AMERICAN EXPRESS XXXX
Consumer complaint received 2024-04-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIRST CITIZENS BANCSHARES, INC. (TX)

I am the trustee of a trust. I had a bank account, as trustee of the trust, with OneWest  Bank that was taken over by First Citizens Bank. Last year First Citizens Bank started charging me {$50.00} per month in account fees which they had never charged before and when I asked for documentation they did not provide it. Additionally they did not send me the required federal tax form IRS interest statement for the reportable interest for the account. I asked for the tax document to be made available in the online digital banking platform repeatedly. I asked via the online chat function multiple times over the course of weeks and I asked over the telephone talking to multiple different representatives. The bank refuses to make the tax information available online and insists that my only option is to order an extra copy at an extra charge on top of the {$50.00} per month in account fees to have it mailed to me which would take XXXX business days. The bank did this even though it knew I was facing an XX/XX/XXXX tax filing deadline which is why I was asking for several weeks in the run up to that deadline for the information to be provided. This bank is charging me unreasonable and unsupported account fees and refusing to make federally required tax documentation available to me via the online banking platform at all and won't even mail it to me without charging me more outrageous fees.
Consumer complaint received 2022-10-23
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. (NV)

Contact info Address XXXX XXXX XXXX XXXX, DE XXXX Phone number By mail only NO NUMBER TO CALL, THIS COMPANY IS FRAUD, THIS ACCOUNT IS FRAUD
Consumer complaint received 2023-11-10
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: The Savings Group, Inc. (CA)

through XXXX XXXX I was offered a new loan with a new interest rate with a company called Rate Genius which based off the information XXXX XXXX had they said I was pre approved. I entered all information they requested, address, car, I uploaded proof of insurance, ID, registration and my income of {$52000.00} for last year! With that information I was given an approval and a rate of 9.49 % which was Lowe than my current 14 % with XXXX. They told me my payment would go from {$620.00} - $ XXXXapx and all they needed to do is run us a hard credit check. I have a XXXX credit score which is in the lower good standings but Good. A representative from the company Rate Genius XXXX XXXX mailto : XXXX XXXX called me to verify my information. And said she will get back to me. Rate Genius made it seem as if I was going to be approved with all the correct and current information I have them. XXXX messages me via text and then asked if I can get a co signer, which I dont have or want. The application made it seem I didnt need one. So I got a response email from Rate Genius stating that I DIDNT WANT TO GO THROUGH WITH THE LOAN which is the not case, XXXX is the one who said that my payment would be more than what Im paying now and they cant help me! 

Im upset because they were miss leading regarding saying they can Lower my payment. And leading me to do a hard credit check hurting my credit score. If I knew they were lying I would have never ran my credit through them. 

Im also reporting that they did nothing to help or guide me to someone who can help! XXXX was quick to call me for verification of information and quick to text me if I had a co signer, but when i text her for information to home office or customer service she ignored me and left me on read What can I do about this and report Rate Genius as a misleading company? 

Thank you
Consumer complaint received 2023-11-10
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: Professional Debt Mediation, Inc. (TN)

As stated before, im Trying to buy a house. I found that I realized I had damages on my credit report. This is a defamation to my character. I have disputed this collection several times with the XXXX, XXXX and XXXX credit agengies but it has came back as verified on XXXX and XXXX but XXXX deleted as they should have. this is not my debt. I've requested that the creditor send me the original contract to prove this debt to be mine. All of my request have gone unanswered.where is the contract that i signed with professional debt mediation and the ledger that they are attempting to collect debt from me for. where did this balance come from that they have placed on my credit. i have no contract with this company. I have not contacted this company at all. please show me proof of the contract that i have signed and where i contacted this company. this is FRAUD. i do not have legally binding contract with Professional Debt Mediation. Again I DO NOT HAVE A LEGAL BINDING CONTRACT WITH PROFESSIONAL DEBT MEDIATION. Therefore anything they have place on my credit is considered FRAUD. Any information they have including my birthdate, social security number, addresses that was supplied to this company is also considered a breach of contract with anyone. Why would my person information be given to anyone that I do not have a contract with? Their are plenty of federal and state laws against this. I have not been supplied the doctrine of estopper by silence, egnlehardt v graven ( mo ) 281 sw, 251, 719, 1 presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. This is holding me back from moving forward in life. In no way can this debt be mine. I have not used this company. I have no addresses, phone numbers, or accounts tied to it. It is also reporting as an open charge off account from 2 years ago with recent activity. as of XX/XX/XXXX on XXXX and the last activity on XXXX is on XX/XX/XXXX. the date opened on both is XX/XX/XXXX no account details or history on either agency with no term source type. this is fraudulent. Again this is a Violation of 15 U.S.C. 1681i ( 5 ) removal of all inaccurate/invalid credit. Please remove immediately
Consumer complaint received 2022-10-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

On XX/XX/22 I ordered and paid {$230.00} for a plant that was being advertised on XXXX. I paid for the plant via XXXX from my Capital One checking account. Once the seller received the funds, I stopped hearing from them and recieved no replys to my attempts in connecting. I was scammed. Realizing this, I immediately called XXXX to report the fraud and in reply, they referred me to Capital One for assistance. I then called Capital One and filed a claim for the transaction. I was told that if evidence was required, I would be asked for it. I then received a confirmation and a case number as being XXXX. 

On XX/XX/22, I received another communcation from Capital One confirming that they were still working on my claim. 

On XX/XX/22, I received another communication from Capital One saying that their review was completed and my claim ws denied. 

I contacted Capital One on XX/XX/22, very upset about their decision. I asked numerous times to speak with someone but I was consistently denied this request. I was told that the reason for the denial was due exclusively to the fact that I used XXXX and as such, I am not supposed to send money to someone I do not know with XXXX and therefore, do not qualify for any assistance or support from them. 

After hanging up, I decided to re-contact Capital One again but this time, ask that a claim for the {$230.00} be filed under the reason that I did not receive a product that I had ordered vs before which was under the reason of fraud/being scammed. Knowing that these two types of claims are dealt with very differently, I had ever reason to believe that I would receive assistance under this new claim filing. The agent I spoke with however said that I was not allowed to re-file the claim under different reasons despite the fact that I did indeed order something that I hadnt received. Regardless of how much I attempted to reason with the individual, I was not permitted to speak with anyone in the claims department and not permitted to pursue my claim in any manner. 

Because Capital One never asked me for any evidence that they could consider, I decided to send them one final letter ( still on XX/XX/22 ) with the supporting evidence in hopes that they would re-consider their position in not working with me to recover the {$230.00}. 

I never heard back from anyone.
Consumer complaint received 2024-05-01
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Navient Solutions, LLC. (CT)

In XXXX at the age of XXXX and only XXXX months after XXXX  high school, I applied to XXXX XXXX XXXX XXXX XXXX in XXXX, MA to become a XXXX XXXX. Unbeknownst to me at the time, this was a predatory school and since then, has been countlessly found guilty of defrauding its students as evidenced by a sweep of all Federal loans being forgiven to students who attended the schools associated with XXXX XXXX on XX/XX/XXXX. 

I only received XXXX federal loan for the amount of {$3500.00} in which the balance was ultimately forgiven on XX/XX/XXXX due to the verdict of XXXX XXXX XXXX XXXX XXXXXXXX case which the court declared that all individuals who borrowed federal student loans to pay the cost of attendance for any of the XXXX persons named in the Massachusetts Attorney Generals exhibit have the right to borrower defense relief under XXXX C.F.R. XXXX ( c ) ( XXXX ) ( XXXX ) and not related to Then-Attorney General XXXX XXXX lawsuit against XXXX XXXX XXXX 

Unfortunately for me, I had XXXX other loans that were privately owned by Navient, the XXXX XXXX loan and the XXXX XXXX loan, both of which were subprime private loans. Despite the $ XXXX settlement on XX/XX/XXXX against Navient , I did not qualify for that forgiveness either as I was never late for at least seven continuous monthly billing cycles. 

For context, I originally borrowed a total of {$17000.00} which was disbursed in XXXX. From XXXX, I paid Navient a total of {$29000.00} and accrued {$29000.00} in interest. After my interest rate kept fluctuating and went up to 13 % on one loan and 14 % on another in XXXX, I decided to refinance the remaining balance of my loans for {$18000.00} the remaining balance on a {$17000.00} loan from 15 years ago. 

Summary : o Initially borrowed : {$17000.00} o Total payments received from XXXX = {$29000.00} o Total balance refinanced in XXXX = {$18000.00} o Out of pocket payment = {$47000.00} ( payments received + refinanced balance ) o {$29000.00} more than what was initially borrowed ALL interest. 

I have been negatively affected by this because I not only attended a predatory school but also received subprime loans that were designed to never allow me out of debt and despite governments efforts to forgive these loans, I never qualified for its forgiveness. These private loans deserve the same forgiveness as the federal loans because even after 17 years of repayment, I am still suffering from the grips of these harmful tactics by XXXX XXXX and Navient.
Consumer complaint received 2022-10-18
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: Experian Information Solutions Inc. (GA)

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 Bank, NA, Account Number # XXXX : Account Name : XXXX Services, Account Number # XXXX : Account name : XXXX XXXX XXXX XXXX Account Number # 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 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 reporting agency if the person knows or has reasonable cause to believe that the information inaccurate.
Consumer complaint received 2022-10-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have submitted letters on XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022 The required notice of dispute was never entered within the 30 day time frame after multiple attempts - delete these accounts immediately pursuant to section 623. Stop reporting this due to FCRA non-compliance of inaccurate data being furnished on the consumer report
Consumer complaint received 2022-10-18
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. (PA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX Balance : {$0.00} XXXX  XXXX : {$0.00} XXXX, XXXX & XXXX XXXX Original XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$6800.00}
Consumer complaint received 2023-09-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (OK)

XXXX is reporting a credit card debt on my credit report and refused to give me any information that associates my identity to this collection, nor have they provided any contracts, statements or evidence that supports what they are reporting and it is damaging my credit score. I have requested that they send me debt verification that links my identity to this account.