davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-07
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. (OK)

Aidvantage has changed my payment plan three times. First it was XXXX, then XXXX. Now they are saying my monthly payment plan is XXXX. I applied for the IDR on XXXX XXXX XXXX They calculated my monthly payment at XXXX dollars a month. I then filled one out on aidvantage and at first it said XXXX dollars a month. They switched my monthly payment today, while their office was closed. With payment due Sunday, I have a family and can not afford a XXXX payment. From my understanding the standard student loan payment plan is over a 10 year period, and so is the XXXX plan. With this new payment plan it is showing I will have it paid off in 10 months. They have miscalculated somewhere, and I can not get a hold of them to fix it. Now coming monday I will most likely have a negative impact on my credit score because I can not afford this outrageous payment. I am considering getting a lawyer as well. I have been very stressed regarding this whole incident.
Consumer complaint received 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Global Lending Services LLC (AZ)

In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX, has violated my rights. 15 USC 1681 a ( 2 ) A ( i ) states that transactions are not included in the consumer report. 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 creditor may not treat a payment on credit card account under an open ended consumer credit plan as late for any purpose.
Consumer complaint received 2023-10-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.
Consumer complaint received 2023-07-25
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: Experian Information Solutions Inc. (PA)

Reporting bureau did not investigate with in the standards outlined thru CFPB and FTC. Bureau didnt give accurate reports on how they investigated and or deleted the error.
Consumer complaint received 2021-07-12
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (OH)

My Wife, and I refinanced our mortgage loan for lower interest rate with a new lender ( XXXX ) the month of XX/XX/XXXX. XXXX XXXX XXXX, XXXX finalized our refinance, and submitted the {$360000.00} wire payoff to NTNSTR/Mr. Cooper on XX/XX/XXXX ( 4 days prior to the date that our loan would be 30 days past due on XX/XX/XXXX ). I submitted a screenshot proof via the Mr. Cooper App that NTNSTR/Mr. Cooper applied the funds on XX/XX/XXXX. Unfortunately, NTNST/Mr. Cooper reported our XX/XX/XXXX Mortgage payment 30 days past due prior to closing our account which greatly negatively affected our credit history. I contacted NTNST/Mr. Cooper at XXXX ' twice stating the previous, and submitted a credit letter from XXXX XXXX XXXX XXXX XXXX with my screenshot proof of the {$360000.00} credit via the Mr. Cooper App on XX/XX/XXXX, but I never received a response from NTNST/Mr. Cooper. I disputed this matter with XXXX, XXXX, and XXXX  without acceptable resolution. XXXX  has reported the NTNST/Mr. Cooper account paid & closed but did not remove that 30 past due record. I request for the 30 days past-due record reported XX/XX/XXXX to be removed from all three credit bureaus.
Consumer complaint received 2023-02-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (FL)

I was under the COVID forbearance program, was unable to get off without refinancing my whole mortgage, which was not allowed under this program, but Community Loan Servicing refused to adhere to federal guidelines. I attempted to have my payments added to the end of my mortgage, which was offered to me in writing by CLS, but they refused to abide by their own offer. I ended up refinancing with another company. It was then I realized they charged me over {$12000.00} for " loan maintenance fees ''. They do not return my calls or emails asking for an explanation of this erroneous charge. I demand this amount to be returned to me in full.
Consumer complaint received 2022-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (NY)

Credit card company is asking me to send copy of my license and SS card via fax or mail to a delaware location. They said it has to do with Patriot act. They have Credit cards locked. I have had these cards for yrs How can i get this fix ... ... No credit issues or financial problems. thx u XXXX XXXX XXXX patriot act was XXXX its XXXX No one sends SS cards to no one
Consumer complaint received 2023-10-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (MN)

I transferred {$9500.00} from my XXXX card to my Citi card. I accidentally transferred it to my daughters account and asked Citi to correct the error. 
A little bit later I received the money back into my XXXX account and I thought I had to make the transfer again myself. I transferred {$9500.00} again. Then shortly after that, they apparently completed the second half of their correction and took the {$9500.00} out of my XXXX account again and put it into my Citi charge account. 
I called several times to ask them to correct this because now my Citi card was showing a credit of {$9500.00}, and I was over the limit on my XXXX card for that amount. They asked me if I wanted to do a balance transfer, which wouldve cost me money, and I declined. I said please just refund the money. 
Then I spoke to someone again, and the money completely disappeared from my Citi account but also never showed up in my XXXX account. 

The first {$9500.00} Balance transfer was made on XX/XX/XXXXXXXX  from XXXX to Citi, and the second {$9500.00} transfer from my XXXX card to my Citi card was made on XX/XX/XXXX. 
First dispute reference # XXXX was closed with no action taken. 
I then talked to Supervisor XXXX XX/XX/XXXXXXXX  who said shed call back XX/XX/XXXXXXXX  after the billing cycle closed ( or something ) to see where the money went. Never called. 
XX/XX/XXXX spoke to supervisor XXXX (? ) # XXXX who opened another dispute forwarded to refund team 11 business days later nothing ( I was told 7-10 days ) XXXX supervisor XXXX # XXXX in Arizona said I should hear something by Monday. Im not waiting anymore.
Consumer complaint received 2023-10-07
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

Credit score XXXX Credit utility 45 % 100 % on time payment 28.34 % I'm asking for 21 % Was told nobody, no matter what, was getting reduced interest rates from Capitol One. 
Didn't matter history, nor credit score.

We are being lied to.
Consumer complaint received 2023-08-04
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

A hard inquiry was posted to my credit report ( XXXX ) on XX/XX/XXXX by Capital One Bank for a credit card application I did not submit. I notified Capital One of the fraud and requested that the inquiry be removed. They stated they would investigate and advised me to place fraud alerts with credit reporting agencies and a file a report at ftc.gov ( which directed me to your agency )
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA (CA)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15usc1681 section 602 states have i have right to privacy 15usc1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instructions under 15 uses 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-10-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: V and H Portfolio (VA)

I never did business with the Vance and Huffman LLC. They never sent me any notifications via email, mail, text, or phone call. I tried to dispute the debt via XXXX and that was simply a waste of time and I am positive that they did not do a thorough investigation because they would have seen that the debt to XXXX XXXX XXXX was paid in XXXX  in the amount of {$1600.00}. I also tried calling Vance and Huffman LLC directly to dispute the debt of {$3100.00} and was told that they was a third party debt collector who obtain the debt from a company called XXXX XXXX XXXX. I told them that I paid XXXX XXXX XXXX debt totaling {$1600.00} in XXXX  and that I have proof that the account was paid in full on my credit report. Vance and Huffman LLC still reported this debt to my XXXX credit report on XX/XX/XXXXXXXX  in the amount of {$3100.00} which is still negatively affecting my credit as of XX/XX/XXXX. I want it removed as soon as possible from all of my credit reports and to press charges against this company for not notifying me about the debt and falsely reporting such negative item on my credit report and trying to make me pay almost twice that amount. Again Vance and Huffman NEVER contacted me about this debt and reported it directly to my credit report on XX/XX/XXXX. PLEASE HELP ME and thank you for your assistance.
Consumer complaint received 2023-10-07
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: EQUIFAX, INC. (FL)

On XX/XX/2023 i sent a letter regading inaccurate and unknown things on my report its been more than 30 days they havent responded yet, i feel like they are taking their time and taken advantage of me by ignoring me. i want these accounts to be removed from my report as per FCRA section 611A. 

i surely was a victim of the equifax date breach
Consumer complaint received 2023-10-07
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. (NJ)

I'm XXXX XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX Balance : {$700.00} XXXX XXXXXXXX XXXX Balance : {$1000.00} XXXX XXXXXXXX XXXX Balance : {$700.00} XXXX XXXXXXXX XXXXBalance : {$1500.00}
Consumer complaint received 2018-05-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

On or about XX/XX/XXXX I contacted XXXX XXXX XXXX to settle a debt that has been in dispute due to damaged goods received and not replaced, by XXXX. ( Which will be another complaint that violated my Fair Billing rights ). During the validation of who I am with the XXXX XXXX, she asked if I was also going to settle or pay my XXXX debt they have from Capital One stemming from XX/XX/XXXX. I explained to her that the debt she is referring to was discharged in XX/XX/XXXX by Chapter XXXX Bankruptcy. She insisted that I still needed to pay XXXX. I once again explained to her that XXXX can not collect on a debt, or should it be on their books, after a Bankruptcy Court discharged my debt. At this point I ceased this part of the conversation and asked her to address the matter in which I called, the debt from XXXX. 

Towards the end of the conversation, I requested that she have someone from XXXX, in Authority, to call me and address the attempted collection. I have not received any sort of communication. 

Name of company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Thank you and I look forward to our correspondence.
Consumer complaint received 2023-07-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (FL)

I am writing to bring to your attention that my credit file contains a collection entry from your agency. However, I have never received any prior notification regarding this collection. Furthermore, I strongly believe that the debt being claimed is not accurate. According to the Fair Debt Collection Practices Act, I am entitled to request and receive validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate action to rectify this matter.
Consumer complaint received 2023-11-07
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Avant Holding Company, Inc. (NY)

My Avant credit card was 60 days late due to a my medical issue. On XX/XX/2023 I finally was able to catch up and could only make a {$50.00} payment on a payment plan online. I did so. Then on XX/XX/XXXX  I made a {$300.00} payment. My Avant card was then all caught up and all done on line. 

My account, as of XX/XX/2023, was locked and I called Customer Service and was told that my account would come off hold in a day or so. 

On XX/XX/2023 I received a credit alert. Looking at my reports, Avant closed my account. In calling them that same day, and spending over 1 hour on the phone, and speaking with a Customer Service Rep and a Payments Dept Rep, I was told it was closed due to a Payment Plan. That an email was sent to me XX/XX/2023!! 

I assured the reps that NO WHERE, on their website did it state my account would be closed. And now my credit report reflects the account closed. 

In speaking further with the Payment Rep, she too stated my account was closed due the payment plan. She then went on to say I CALLED IN to make this payment plan! I only have a cell phone and can prove I never made any such call!!
Consumer complaint received 2023-10-07
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. (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 XXXX XXXX XXXX Account No. 
XXXX Original Creditor XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account No. 
XXXX Original Creditor XXXX XXXX XXXXXXXX XXXX  Account name : XXXX XXXX XXXX Account No. 
XXXX Original Creditor XXXX XXXXXXXX XXXX  Account name : XXXX XXXX Account Number XXXX Account name : XXXX Account number : XXXX, 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-07
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. (MI)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-03-12
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: PNC Bank N.A. (AL)

On XXXX I went into XXXX XXXX Car dealer in XXXX XXXX, Alabama to inquire about leasing a XXXX, after lengthy conversation With salesman ... decided to try for one and was told it would only require 1 credit pull ... as I waited to see I started getting multiple alerts that my credit was being pulled, went into sales office and asked what was going on and was informed they turned down the lease and they were running my credit with lenders for purchase ... I was furious as I did not ask nor want that ... I never signed or filled out an app for purchase nor did unauthorized any type of credit pulls for this, sales said they just thought I would want this and admitted fault ... said they would reverse the inquiries but have not done it yet... They had no buisness playing with my social this way and asked me to leave there buisness when I busted them on it... there is nothing in the form of paper work as I signed nothing
Consumer complaint received 2023-04-02
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. (NC)

Submitted a request to investigate collection account XXXX XXXX as accurate. Investigation resulted in verified as accurate. Upon pulling previous reports the DOLA as changed several times illegally on this account. Per FCRA laws this is illegally re-aging the account. There has been no activity made on this account yet the DOLA had been changed several times. Also the DOLA is showing 3 different dates across each bureau. The credit bureaus are required to report correct information on my credit report.
Consumer complaint received 2023-10-07
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: Westlake Services, LLC (GA)

My car was repo on Thursday from my job I had not received notice that US Auto had sold my info to Westlake Portfolio no one has sent me a letter or even call me. But still u can come on my job and take a car on Private property and not contact the owner about working out a discussion to clear this mess. Right now either I do a XXXX XXXX  or try to sue or buy another one. How hard is it to call or drop a letter I have not heard from a soul what can.I do. Please give so kind of insight here XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-07
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. (VA)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance Owed : {$3.00}
Consumer complaint received 2023-10-07
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. (VA)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance Owed : {$3.00}
Consumer complaint received 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : XXXX XXXX XXXX XXXX  XX/XX/XXXX.
Consumer complaint received 2023-10-07
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. (DE)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.