davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-16
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NC)

While reviewing my credit report from Equifax and XXXX, I noticed several medical accounts in collections. Ive called the collection agency which is XXXX XXXX XXXX more than 30 times requesting verification/validation that the collection accounts belongs to me. Each time the customer service representative I spoke with stated that they cant verify the debt. Ive disputed the collections accounts with XXXX  and Equifax several times and each time it came back as verified. Ive also sent Method of Verification letters to both XXXX and Equifax. The disputes was closed because it was verified as accurate. The two credit bureaus above refused to provide me with their Method of Verification for the collection accounts with Optimum Outcome listed on my credit report. According to FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) which states : if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of the information contacted in connection with such information, and the telephone number of such furnisher, if reasonably available.

FCRA 611 ( a ) ( 7 ), which is used for such a request, states : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.
Consumer complaint received 2019-07-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC (NC)

Id reached out to the company in XX/XX/2019 when it was paid ( {$56.00} ) and theyd informed me that theyd combined it with other medical bills but they would remove them individually and was unsure why it was still reporting to my credit report. Theyd also informed me that the inquiry would be removed within the following months. Id let them know that I was facing financial difficulties due to my son being hospitalized but would attempt to make other arrangements as soon as I could. Please remove this inquiry.
Consumer complaint received 2024-02-21
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. (IL)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with TXXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX is an account that is more than 7 years old. 

XXXX XXXX is more than 7 years old. 

XXXX XXXX credit is not my account. 

Neither of these three items should be showing up on my credit reports according to the Fair Act Credit laws... XXXX and XXXX XXXX are more than 7 years old and should be completely removed from my credit reports and not showing up as closed they should be completely removed from XXXX, TransUnion and XXXX... First Access has been sold to a third party and was not even mine to begin with, yet it is still showing on my credit reports... How many times must a consumer contact the credit bureaus before those at the bureaus abide by federal law and practices... I have put in complaints through your office at least three times ... .. Will you put a stop to the nonsense of the three credit bureaus that continue to put items on my credit that goes against the fair credit laws ..... Thank you for taking out the time to read my complaint... Have A Wonderful Blessed Day
Consumer complaint received 2023-11-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (MN)

I applied for the XXXX plan on the DOE website XX/XX/XXXX and was approved. I was given the payment amount of and I was prepared to pay the payment amount for XXXX. Then I got an email from aid vantage saying I owed a payment amount that was hundreds of dollars more, and they separated the payments into a {$320.00} and an {$85.00} a month payment for a total payment of over {$400.00}. According to my XXXX plan I was approved for the payment amount was around {$180.00} a month. I immediately tried to call aid vantage to get this resolved.Ive called now several times. The first call was XX/XX/XXXX. The second call was XX/XX/XXXX. Both times I sat on hold for literally hours, until my cellphone battery died from waiting on hold. I have not received any correspondence from aidvantage acknowledging the payment plan application and I can not reach anyone to resolve the problem.
Consumer complaint received 2023-11-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (SD)

I have called numerous times from XX/XX/23 - XX/XX/23 and never been connected with an agent at MOHELA. I have left call back numbers and never been contacted. I have sent emails and also never been contacted. My initial payment was incorrect ( I paid ) and then my account was placed in forbearance without contacting me. I then was approved for a XXXX XXXX ( XXXX ). However, my current monthly payment is still incorrect.
Consumer complaint received 2023-11-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I was informed on XX/XX/XXXX, by email that my Bank account password was changed. I then called Bank Of America and I was informed that someone tried to use my information to deposit fake checks into my account. I was told I can report it to fraud department but nothing can be done. I went through the fraud department then I went online to open a new checking account due to this situation not being my fault as well as being scammed. I was also told the location of where they tried to deposit which is nowhere near me due to school and the transaction history shows me using my debit card in my city XXXX XXXXXXXX XXXX on XXXX XXXX.
Consumer complaint received 2019-12-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NC)

This is in reference to a case I opened 3 years ago. Case XXXX. 
I've done everything they've asked and provided the appropriate information, I keep paying on time and they are still unwilling to work with me and my situation. They have drastically increased my monthly payment. I also qualify for the Service Members Relief program, but they make this process extremely complicated for us service members. I've made more payments to my loan than they have on record for the Service Members Relief Program. I have no idea how to figure out this company. I am constantly XXXX with the XXXX XXXX and I literally do not have the time to keep verifying my military status and paychecks.

I hate to reopen this case but I am once again left without any more options. Literally worst loan service I've ever worked with.
Consumer complaint received 2023-11-02
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (WA)

I called twice on Monday, XX/XX/XXXX. The first instance was at XXXX XXXX., in which I was trying to obtain information about the charge for {$430.00} that was opened XX/XX/XXXX. I was told they were hired by the original creditor ( XXXX XXXX XXXX XXXX ), which I know not to be true because they no longer exist as a landlord entity and haven't for a long time ; Also this charge just became active again. I was told they sent letters in the mail as an attempt to contact me, I never received any letter at any address I've updated with the post office. I asked to which address they sent the contact attempts, to which the agent replied " It doesn't matter '', I quickly replied " Of course it does if you say you made attempts to contact me '', to which she finally gave me an address. I asked what I could do to dispute this, she asked if I had any documentation of proof I did not owe payment, to which I replied that she could provide any proof of my liability to pay. She said " We can dispute this back and forth until we're both blue in the face but it won't matter '' and ended up hanging up on me. 
I called back five minutes later at XXXXXXXX XXXX., talked to the same lady, and asked if she could provide me with any and all signed documentation of proof of agreement to pay the stated amount of {$430.00}. She replied that she would send it to my email, I provided her with the correct spelling ( although they should have my information on file if they were truly hired by that landlord entity ), but I still have received no information or proof from National Credit Systems. Upon contacting the property she told me they sent the letters to, the current management told me they have never received mail there in my name nor had any documentation to provide as the property itself has been bought out by a completely different landlord entity. Due to the fact this is affecting my credit score, ability to find a home to rent, and ability to apply for loans, I disputed this on XXXX, XXXX, and XXXX as I have been provided with no proof of signed agreement to pay the {$430.00} even after requesting it.
Consumer complaint received 2019-12-11
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. (PA)

I checked my Experian report, it shows that I made late payment to XXXX XXXX XXXX Visa credit card back in XX/XX/2019. I called XXXX XXXX XXXX XXXX visa card to inquire about it many times. They told me that is incorrect. There is no late payment and my account is up to date, credit card is still open and in good standing. I filed a dispute against that information with Experian, but they didn't remove the late payment information from their database. As a result, other credit bureaus such as XXXX  and XXXX   picked up this from Experian and are reporting this incorrect or false information. I have never been late in payments

with any creditor and this incorrect late payment information is hurting my credit report, my score and everything. I can't get employment, rent apartment or apply for loan due to the this one negative item on my credit report
Consumer complaint received 2019-12-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CO)

Today 's date is XX/XX/2019. 

ISSUE - NEWREZ and acquired XXXX 's mortgage loan servicing business. 

NEWREZ says, and I quote Welcome, XXXX Homeowners! 
The servicing of your mortgage loan will soon transfer to NewRez. We look forward to working with you and were dedicated to providing you with exceptional service. We understand that a servicing transfer can lead to a lot of questions. 

To help you through the transfer process, here are several key dates and some answers to common questions : Dates Events XX/XX/2019 The servicing of your mortgage ( collecting your payments, paying your property taxes and homeowners insurance bills, etc. ) transfers from XXXX to NewRez. We can start accepting your payments, but we wont be able to process them for at least 7 days. You will still be credited for the day you make your payment. 

XX/XX/XXXX XXXX Well be loading your mortgage information into our computer systems and testing the data for accuracy and completeness. NOTE : During this time, well be able to access only a limited amount of information about your loan. 

XX/XX/XXXX Your loan will be fully active on our systems, and well be able to process your payments. Weve also created a set of helpful online tools that can make managing your mortgage simple and easyall you need to do is set up ( register ) your online account. 

SO - on XXXX the loan was supposed to be " fully active on our systems ''. 

Three days later NEWREZ has no record of my loan - it isn't active in their systems. NEWREZ lied when they claimed it would be on XXXX. 

On or about XXXX, XXXX I called NEWREZ only to be informed, by their agent, that, wait for it ... 

" THE LOAN IS NOT ACTIVE '' The consequence of which he stated that NO INFORMATION is available and NEWREZ can not process a payment The agent changed the web story above to says that it takes, " about 10 business days ''. 

Not what is on their web splash page Well that's not what NEWREZ 's website has published and what customers are counting on AND IN THE MEANTIME XXXX HAS RETURNED MY XXXX MORTGAGE PAYMENT, TRANSMITTED VIA XXXX ACH ON MY BEHALF. 

So I SMELL AT RAT NEWREZ has already started down the road to late fees, charges and derogatory credit information. 

All NEWREZ seems interested in is initiating a new loan to refi my existing loan.

And guess what? I called NEWREZ and they said they had a better new loan than my 4.25 % loan with 13 years remaining. Fees? Oh they said the fees would be made up with my savings on the new loan. Can you belief this pile of horse feathers? 

What a scam! 

FINALLY XXXX is the poster child of poor customer service and has numerous anti-consumer consent agreements which bolster this position. They are the other side of this transaction and may well be complicit in this problem. 

None the less it is NEWREZ who is the bad actor in this case.
Consumer complaint received 2022-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX has violated my rights XXXX. XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX 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 to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-21
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. (IL)

I have become a victim to identity theft. Under 18 U.S. Code 1028A - Aggravated identity theft and under 15 U.S. Code 6802 - obligations with respect to disclosures of personal information, the credit and/or Credit Reporting Agencies do not have permissible purpose with respect to 15 U.S.C 1681B are in violation of reporting my private and personal information with respect to the FCRA. Under 15 U.S.C 1681n civil lability for willful noncompliance {$1000.00} payment, that I am entitled to
Consumer complaint received 2019-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was advised to contact you all because I went to a first time home buyer seminar at my church and they had some lenders there and I was told that I did not qualify for the program. They went over my credit report and I see some things on there that I knew nothing about. I have contacted the FTC and my local police. There are still items on my credit report that are not mine. Please remove these items from my credit report. I'm doing this on my own behalf. XXXX XXXX XXXX # XXXX ), XXXX XXXX  ( # XXXX ), XXXX XXXX XXXX,. Please remove these from my credit.
Consumer complaint received 2019-07-16
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. (NE)

XXXX did not perform their due diligence in verifying the identity of the individual who opened an account with them using my personal information. The account ultimately went to collections and is reporting on my credit. I have requested validation of the debt from XXXX, they sent quite a bit of information which was helpful in proving the debt exists. However ; since they did not provide a copy of the instrument used to verify the person 's identity I have no idea who actually opened the account. All I do know is they opened the account in my former name.
Consumer complaint received 2023-11-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (CA)

My student loan servicer is Mohela. I made payments through the covid forebearance and requested a refund of those payments on XX/XX/23. I have received no communication from them. I sent them a message after initial request to make sure they were going to refund all payments- as I had paid some loans of and the loans were no longer listed with Mohela . I still have not received refund or heard anything from them in XXXX months. I submitted message complaint with Mohela 1-2 weeks ago and still have not heard back about status of my request.
Consumer complaint received 2023-10-31
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION (IN)

XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Re : XXXX XXXX XXXX again disputing this amount XXXX. This was wrote off from Navy Federal then Conserve and now XXXX company brought the collection. It is the same dispute. I file a complaint and dispute XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and now XX/XX/XXXX. Im a victim of fraud and attach is the police report filed then against Navy Federal. I also filed online XX/XX/XXXX and adding the the copy of the police report again. This needs to be removed and stop being brought out by other company trying to money from me. 




Sincerely, XXXX XXXX
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Mercedes Benz Financial Services (CA)

On or about XX/XX/2023, I received a letter, dated XX/XX/2023 ( a copy of which is attached to this complaint ) from Mercedes Benz of XXXX regarding a credit application of which I had no knowledge and for which I never applied. 

I had visited this dealership on XX/XX/XXXX and XX/XX/XXXX. XXXX, but never purchased a vehicle and did not sign any forms while I was there ( It is possible that I may have started some paperwork [ and I'm not even certain that I did ] but I am certain that nothing [ including a credit authorization ] was ever signed. ) I also told all of the salespeople with whom I interacted at the dealership on XX/XX/XXXX and XX/XX/2023, that I intended to pay cash for a pre-owned vehicle and therefore had no interest in financing information. Nor did I seek any financing information from dealership employees. ( The names of the dealership employees involved are stated in the attached email string. ) I emailed the general manager of the dealership three times, with the last email sent approximately one month ago, to ask that the dealership remove its unauthorized inquiry from my credit report. ( A copy of the email string reflecting my inquiries to the dealership head [ and the absence of any response thereto ] are attached as an exhibit to this complaint. ) I also asked for a copy of any document that the dealer had regarding its purported authorization to conduct a credit check on me. I spoke on one occasion to the finance director, XXXX XXXX, shortly after I received the above-referenced XX/XX/XXXX Mercedes Benz credit letter , and he assured me that he would look into the matter. He never got back to me, and he has never returned any of the numerous voicemail messages I've left him over the past two months.
Consumer complaint received 2023-02-20
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: EQUIFAX, INC. (MO)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX