davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-08
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: LEXISNEXIS (TX)

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.

The letters are stated with items and issues.

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 2021-11-22
Product: Credit card or prepaid 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: AMERICAN EXPRESS COMPANY (PA)

On XX/XX/2021, a {$75.00} booking fee, totally more than half of my XXXX night 's room reservation, was billed to my AMEX card without my knowledge or agreement. When I found it, I requested that the rental agent remove it, but she refused. She did not deny that she had billed my card without informing me or getting my authorization. She replied simply that all rental agents charge fees. I disputed this charge with American Express, but they sided with the merchant and denied my dispute, without explanation. I have requested an explanation from AMEX but they have not replied.
Consumer complaint received 2021-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax XXXX breach and may have got into the hands of the wrong person
Consumer complaint received 2021-11-22
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: WAKEFIELD & ASSOCIATES, INC. (CA)

onXX/XX/XXXXXXXX I submitted a validation request letter to Wakefield and associates. Ive attached what I received back, which as a consumer, Im not sure how they expect me to understand their print off and pieced together " validation ''. nothing on here reflects amounts or the providers that are showing on the credit report. 
I sent a follow up in XX/XX/2021 and haven't heard back yet. Ive attached both letters Nor- did they send me a XXXX release form with my signature on it. This is a violation of my FCRA, FDCPA, and XXXX rights.
Consumer complaint received 2022-09-13
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. (LA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2021-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MI)

Currently I have sent letters out on the following dates below with some accounts in question that I'm not familiar with : XX/XX/2021 XX/XX/2021 XX/XX/2021 I have not received any follow up letters from the bureaus for an update or account status
Consumer complaint received 2021-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Currently I have sent letters out on the following dates below with some accounts in question that I'm not familiar with XX/XX/XXXXXX/XX/XXXX XX/XX/XXXXI have not received any follow up letters from the bureaus for an update or account status
Consumer complaint received 2022-09-13
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. (FL)

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Account : XXXX closure date : XX/XX/XXXX balance update : XX/XX/XXXX. Past due balance listed : Date of last payment XX/XX/XXXX at {$17000.00}. 
Showing on my credit report as closed amount of {$2600.00}. I disputed on my credit reports and would like help removing as it is five years statute of limitations with a car loan. This is preventing me from getting future credit and negatively affecting my daily life.
Consumer complaint received 2021-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (PA)

Was solicited for a XXXX XXXX for {$10.00} credit after spending at least {$20.00} at a XXXX gas station via the XXXX app and using my Citi XXXX XXXX ending in XXXX to pay. Accepted offer on their website prior to spend and then filled exactly {$20.00} per terms ( solicited offer terms and conditions.png ) onXX/XX/XXXX ( BPme receipXX/XX/XXXX 

XX/XX/XXXX : Contacted Citi customer service via chat. Was told that they did not see a current offer, only XXXX that had expired inXX/XX/XXXX ( citi chat bad XXXX ). Was told to email terms and conditions of the offer to XXXX by their representative ( citi chat bad XXXX ) ( Untitled.pdf ). It was transpired that the representative gave me bad info ; XXXX is for an XXXX XXXX card, which I never had. 
XX/XX/XXXX : Received mail ( citi refusal XXXX ) from Citi saying that I was not solicited for that Merchant Offer. 
XX/XX/XXXX Contacted customer service via chat. Told to call. Was told not showing signed up on any offer. See ( Screen Shot XX/XX/XXXXat XXXX ) showing that I was, in fact, signed up for multiple offers. 
XX/XX/XXXX: Same response asXX/XX/XXXX ( citi refusal XXXX ). 
XX/XX/XXXXCiti mailed response showing they stood by their original response of XXXX offer good only until XX/XX/XXXX ( citi refusal XXXX ).
Consumer complaint received 2018-02-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (CA)

I wrote a letter to the company via fax about putting money against my principal to lower my loan interest at the end of the year. Instead of me keeping my money in the bank with .o8 % interest versus my loan interest which is 3.375 %. The company, did not respond for about two weeks. I call up the customer service and I was told there is a fee of {$50.00} and I was also told that they have a procedure, called the " recast '' that I needed to follow. I told the lady whom I have spoken with to send me the instructions for me to follow.

I received the instruction asking me to pay {$250.00} for processing fee. When I applied for the loan. I remember there is no pre-payment penalty. All I want is to reduce my principal balance and pay my loan as soon as possible and do not want to go to their long process with a big fee. I wanted to pay my loan now but I am still short.

If needed, I can send you a copy of my letter to the company about my intent and a copy of their procedure with regards to this matter to be more specific. I have experienced to pay off my mortgage loan before at no cost with only a minimal fee for money transfer. Thank you.
Consumer complaint received 2022-09-13
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: ACIMA CREDIT, LLC (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, ACIMA DIGITAL FKA SIMP XXXX Open Date XX/XX/2021 Balance : {$1400.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

It is completely unacceptable to observe late payments on my account, and I strongly urge you to rectify this error without any delay.
Consumer complaint received 2021-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MS)

I have sent letters to Experian to have inaccurate information from my credit report removed. They have remove a few things, however, there are addresses that should be removed. These certified/return receipt letters there sent XX/XX/XXXX &XX/XX/XXXX. Stating according to the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), they have 30 days to investigate disputes and they can not verify the information they must delete it. I want to invoke my rights to dispute and have them fined. This is not right. 
Items not deleted were addresses. 
Experian Dispute by MaiXXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2021-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MI)

Currently I have sent letters out on the following dates below with some accounts in question that I'm not familiar with : XX/XX/2021 XX/XX/2021 XX/XX/2021 I have not received any follow up letters from the bureaus for an update or account status
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 (DC)

Mohela has been giving me the run around since XX/XX/2023not counting my student loans towards PSLF. There are saying I only have 95 loans towards Public Service Loan Forgiveness. When I know I should have over 120. The company want to bring up my XXXX XXXX, when I showed proof that student loans doesn't qualify towards XXXX XXXX and clearly states paid outside the plan. Meaning although I am in XXXX XXXX I still have pay for my student loans.
Consumer complaint received 2021-11-22
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: Lendbuzz Inc. (TN)

I had refinance my car lend buzz ( https : //lendbuzz.com/ ) back in XXXX so far was good but they haven't report my payment to XXXX, XXXX and XXXX XXXX I tried to contact them on XX/XX/XXXX regaled this problem, they said they had a problem due my name, they could fix it and was gon na take XXXX week, a whole month so far, there no fix
Consumer complaint received 2021-11-22
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: AMERICAN EXPRESS COMPANY (FL)

I am a victim of Identity theft. Please delete or remove this item on my behalf. This item is not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2019-01-25
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: United Check Recovery Bureau, Inc. (WI)

I have no idea who this United Check Recovery Bureau based in XXXX XXXX, New York is. they are robocalling mobile numbers looking for me. I do not owe this company and they are harassing relatives. They called a mobile number on XX/XX/2019. I have not received any mail nor do I have any accounts with this company.
Consumer complaint received 2018-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: U.S. BANCORP (MA)

Hi, I have a mark saying 90 days late from XX/XX/2011, which I disputed with USBank on XX/XX/2011. 
It was a weird situation, I was offshore traveling on XXXX, and the country closed all XXXX XXXX   services, XXXX, banks transfers. 
I called in advance to USBANK and they told me not to worry, that they were going to put an extension. 
A few month later I saw my creditscore going down, they told me it was a mistake and they were going to fix it. 
7 years after I'm still seeing it!
Consumer complaint received 2021-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

This is with USAA secure credit card. 

I made a purchase on XX/XX/05 for {$220.00}. The merchant converted my credit card payment to cash via XXXX. USAA charged me for a XXXX XXXX XXXX of {$6.00}. Since the charge, I have been paying a monthly " Interest on Cash Advances. '' The month of XXXX it was, {$0.00}, then XXXX {$1.00}, and XXXX {$1.00}. 

When I called USAA to ask how I can pay this charge off so I am not being continually charged every month for the interest on the cash advance fee, I was told I had to pay my entire card balance off ( which is about {$1600.00} right now ). When I asked if this meant that I would continue to be charged Interest on Cash Advances for the next several years, I was told yes ( until the card is paid off ). 

Each month I pay an additional {$100.00} ( normally the minimum payment is {$32.00} or {$31.00} ) so I pay about {$130.00} or {$130.00} a month. When I asked if any of this additional money could be paid towards the cash advance payment or if I could pay additional money to pay off the amount so I would not be charged each month for the additional Interest on Cash Advances, I was told XXXX. ' The ONLY way was to pay off the entire {$1600.00} balance. 

I have no control over how the vendor handles my credit card payment, so I should not be penalized for the next several years on a 'cash advance. ' Since this is a secure card, I thought I could direct additional money towards the payment of this cash advance? 

I have spoken to XXXX USAA representatives and when I asked to talk to a Supervisor, I was directed to their Resolution Dept, which did not resolve anything. 

Thank you.
Consumer complaint received 2021-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (IL)

XXXX A transaction of {$11000.00} went through to a citi autopay that I did not authorize nor have this citi account. I have called citi about this weird credit card that was opened and someone making transaction on it before. I have called some few years? before back to have it closed when I noticed the first attempt of this credit card being used. I called citi to have it closed and/or was told I do not have this citi credit card account? as far as I remember. However, a transaction was made today from my XXXX under the same citi credit card issue I have complained about it being used/opened not under me. I have asked for investigation from both XXXX and Citi. I do not know from Citi if there is an investigation under way XXXX made multiple attempts spending hours on hold and being transferred to different people. Had gotten hold of multiple individuals stating they will start an investigation, close the account/credit card and will refund the credit back. Had requested for names but customers service members refused to give their name. 

XXXX ( time is XXXX ) called Citi multiple times, reach someone stating there is no such investigation opened at all. I requested for a supervisor but the person on the phone cut me off. She hanged the phone up on me. phone number- XXXX
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (GA)

Dear XXXX XXXX XXXX  XXXX XXXX at Navy Federal Credit Union , I have recently become aware of a claim being made against ( XXXX XXXX ) by the attached correspondence from Navy Federal Credit Union . Please provide proof of your Legal and/or Equitable chose in action ( YOUR RIGHT TO HAVE A CERTAIN SUM OF MONEY PAID ON DEBT ) upon seven ( 7 ) days of receipt of this notice. I am also requesting the governing Trust Instrument. Thank you for your prompt consideration and understanding of the agreement in good faith. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX, who is submitting this XXXX complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax XXXX XXXX has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to update or remove from reporting XXXX {$8700.00} XXXX XXXX {$0.00} FST XXXX {$12.00} XXXX {$15000.00} XXXX XXXX  XXXX {$0.00} XXXX XXXX {$1600.00} XXXX {$0.00} CB XXXX {$0.00} XXXX {$920.00} XXXX XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00}
Consumer complaint received 2019-12-03
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC. (AL)

I have two accounts in collections with Wakefield and associates. Both accounts are old. Wakefield and associates has reported both accounts as new to the credit reporting agency and dropped my credit score by almost 30 points. I monitor my credit closely and receive a notice today that there were two new account was added. This is re-aging and illegal. I called the creditor and they are denying it. It clearly shows on my credit report is a new collection account and this is not the first time they have done it. It has happened at least three times over the last year. Each time it drops my credit score which I am trying desperately to increase.
Consumer complaint received 2023-10-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (NE)

My student loan servicer is Aidvantage. 

I have submitted multiple rounds of paperwork to switch my payment plan to the XXXX plan, which I qualify for. I submitted my most recent tax return, as well. It has been months since I sent the submissions, and they still have not updated my payment plan to the XXXX plan. All the while, my loans are showing as past due while collecting interest. 

Now I am trying to contact them via phone, and they are clearly intentionally blockading all incoming calls from borrowers under the guise of being overburdened. I have tried calling them numerous times during their hours of availability, and every time I am met with a robotic voice that tells me they are too busy to take calls. There is not even an option to wait for a representative. It just skips to the robot voice giving me irrelevant options, which are the only options. 

I simply can not make meaningful contact with this company. What am I supposed to do, file a lawsuit? Why hasn't the government taken care of this? Is it intentional? Is there a certain branch of the government that is trying to intentionally blockade borrowers from switching their student loans to the XXXX plan? What else could it be? Isn't the company vetted by the government to be a quality service provider?