davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-29
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. (FL)

This complaint is about Aidvantage. I have tried 3 times to have my loan payments reduced and have sent in all of the documentation. I was able to have the payment reduced last year and understand that I have to re-apply every year. Since splitting from XXXX, who reduced my payments using the same documentation ), Aidvantage finds fault with the same paperwork and denied my request for reduced payments. I talked to them about three weeks ago, around XXXX or so, and asked them what more can I do. I also asked the agent to have her supervisor actually look at the document which is a monthly statement from the company that sends my pension payments each month. They promised to look into it, however, I received an email this morning XX/XX/29, that never mentions the reduced payment request. They also have incorrect information regarding the covid-19 relief measures which have been extended, however, I never stopped making paymenst on my loan. This reduced payment option will expire soon and as of XX/XX/XXXX, they expect me to pay over {$700.00} per month. I am retired now because of a layoff and certainly can not pay that much and they are aware of the fact because I have sent them the information that confirms that I do not have enough income. When I was working making triple what I receive on a monthly basis, I never had to pay that much. I need help because I am not getting anywhere with them. I'm out of time.
Consumer complaint received 2019-11-25
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Van Ru Credit Corporation (NV)

I've asked them not to call, also informed the receptionist not to contact me at work and relay that but they continue to call my work place after asking multiple times not to. Also received automatize calls to work saying it is " Kelly Smith '' trying to contact me ( XXXX XXXX ) and jams the work office number and am getting in trouble for it at my place of employment. The continue to call despite all my efforts to stop them from contacting me there. Not sure who the person is or what type of debt as they just autodial my work office number.
Consumer complaint received 2024-04-05
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: General Motors Financial Company, Inc. (TX)

My dispute was improperly processed. The GM financial account is too old to be on my report and needs to be deleted. I provided the credit reporting agencies with proof that it was deleted. Instead of deleting the account they came back with some garbage nonsense. Saying we have determined the account is yours, and it has been updated. I didnt dispute ownership. I am disputing based on age. The account is over 10 years old as it was open in XX/XX/XXXX and the car was voluntarily surrendered and sold auction in XXXX. There is XXXX balance due it states it is paid and it needs to be deleted as we are in the 7 year mark. 
Also, please see the attached documentation, including, but not limited to proof of deletion, the metro two letter, And the most recent dispute results that are just absolute garbage. Additionally, I requested a 1099C from GM financial and they have refused to provide it to date
Consumer complaint received 2022-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. Section 1 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 an account without my written instructions In accordance with the Fair Credit Reporting act XXXX 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 XXXX accordance with the Fair Credit Reporting act 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
Consumer complaint received 2015-12-21
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: I.C. System, Inc. (NY)

This company keeps calling me hangs up some times breaths then hangs up, I called back to find out who it was I asked who is this they said your mother and were very nasty the call keep on going. They claim to be looking for a woman to whom does not live at this address, I did tell them to stop calling and this person I do n't know and never heard of them. After calling again to ask them to stop calling they cursed me out and said we know who lives their and we are coming for you. I immediately did some research online and only came up with a collection agency called IC systems these people are illegally calling me and harassing me. XXXX
Consumer complaint received 2022-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX Account # 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
Consumer complaint received 2022-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # 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
Consumer complaint received 2019-08-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

I Recently found out the I had a credit card the was received in my name, THAT I HAD NOT APPLIED FOR. So I reported to Bank of America ( XX/XX/2019 ) as fraud/Identity theft and they proceeded to take the steps necessary for the action. But about a month later I was told that the case was closed and that I was still responsible for the payment due, because someone had already made payments on the payment amount ( NOT BY ME ). So I've recently just learned that it is required of the business to send proof of documentation of the original form that was supposedly filled out by " Me ''.
Consumer complaint received 2023-04-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (OH)

I opened a checking account ending with XXXX with US Bank on XXXX XXXX. I finished all the requirements for the welcome bonus. However, I have not received the {$400.00} welcome bonus even after the waiting period. I contacted US bank and was told I had met the requirements, but they still did not pay the bonus after several weeks. I listed the bonus requirements below for your reference. 

" U.S. Bank is offering a bonus of {$400.00} when you open a new Silver, Gold or Platinum Business Checking account and complete the following requirements : Use promo code XXXX XXXX {$3000.00} within 30 days of account opening and maintain that for at least 60 days Complete 5 qualifying transactions within 60 days of account opening Enroll In the U.S. Bank Mobile App or U.S. Bank Online Banking within 60 days of account opening. ''
Consumer complaint received 2022-12-19
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: Experian Information Solutions Inc. (RI)

This is the second time I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1800.00} XXXX XX/XX/2021
Consumer complaint received 2024-04-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MoneyLion Inc. (MD)

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/year> XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I am writing in response to your recent communication regarding the alleged debt associated with the above-referenced account. I am requesting validation of this debt as provided for under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 
I am aware that the statute of limitations for collecting this debt may have expired, as it pertains to credit card debt from approximately four years ago. However, I am requesting validation of the debt in accordance with my rights under the FDCPA. 
I am also writing to bring to your attention that, under the Consumer Financial Protection Bureau 's Regulation F, specifically 12 CFR 1006.34 ( B ) ( 5 ), you are required to provide validation information upon request. 
As per the regulation, " Validation information means information that confirms the consumers name, the debt amount, and the name of the creditor to whom the debt is currently owed. '' I am formally requesting that you provide this validation information for the debt referenced in your recent communication. 

Please provide the following information : The original creditor 's name and contact information. 
The original account number and the date the account was opened. 
The total amount of the debt, including any interest and fees that have been added since the last payment. 
Documentation showing that you are authorized to collect this debt. 
Please note that any further communication regarding this matter should be in writing. I am exercising my rights under the FDCPA to request that all future correspondence be conducted through written means only. 
I expect your compliance with this request within the time frame specified by law. Failure to provide this validation information may result in a violation of federal regulations. 
Additionally, please be aware that I am keeping thorough records of all correspondence regarding this matter, including copies of this letter and any future communications from your office. 
Thank you for your prompt attention to this matter. I look forward to receiving the requested validation of the debt within the time frame specified by law. 

Sincerely, XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-04-04
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

Just had a phone call from XXXX XXXX of Bank of America credit card and she stated that someone was opening a credit card with Bank of America in Texas using the last 4 digits of my social security number. She said the case number is XXXX and she was going to turn me over to someone named XXXX XXXX a Financial Adviser with XXXX. 
I gave no further information to this XXXX XXXX and hung up the phone.
Consumer complaint received 2023-03-10
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. (WA)

The two banks involved in this ongoing issue are XXXX XXXX XXXX XXXX and XXXX XXXX. The bank that has reported an unfair and unethical delinquency is XXXX XXXX. I opened an XXXX XXXX with XXXX XXXX in XX/XX/2022. Please note that prior to the reported delinquency I had never made a late payment on this or any of my accounts that are reported on. On XX/XX/2022- several months after the so called " late payment '' I received a notification that I had failed to make a payment on my account when I was not previously notified of this as had been told my payments were successful previously. I immediately made an additional payment on XX/XX/XXXX to rectify this and was told by a member of XXXX XXXX that this was an error on their part and that this would not reflect on my credit score/reporting by an employee at XXXX XXXX. Several months later I found out this was not true as my credit score decreased for this very reason. I have talked to several members at both XXXX XXXX and XXXX XXXX XXXX XXXX and every time am told a different story where each bank places blame on the other for the failure in transaction and gives different explanations. I have been trying to resolve this issue for roughly 6 months and still have this reported delinquency where XXXX XXXX passes me between departments and submit an internal " dispute '' only to have another employee dismiss it because they're stating that the payment was not received with XXXX context of the situation whatsoever. I have also disputed this with Transunion twice who then circles back with XXXX XXXX who states that the delinquency is correct. XXXX XXXX states that XXXX marked the charges as " unauthorized '' and XXXX states that XXXX XXXX pulled from " someone elses account. '' Most recently this past week, I spoke with a very helpful member at XXXX XXXX XXXX XXXX who let me know that XXXX XXXX tried to pull the funding out of another members account ( please see attached letter from XXXX employee detailing the situation ). I am also attaching the emails I received on XX/XX/XXXX notifying me of the tardy payment several months AFTER the fact. I have also attached my bank statement from XXXX XXXX which details the payment for XXXX highlighted and several other confirmations I received. Please let me know if I can provide any additional statements/information.
Consumer complaint received 2024-04-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CO)

I sent a XXXX wire to Coinbase on XXXX in the morning and I called in the afternoon because I had not seen the deposit. I called in the afternoon and they said they would escalate to get this resolved by end of day as I confirmed with my bank and it was received by Coinbase. I called again on XXXX to see if they were still investigating the issue and they could not confirm if they had received the money only to be told it was under investigation and there was nothing else they could do. They would not give me a timeframe on when they would solve this issue and it is frustrating that they can not confirm and keep holding my money as if I did not provide them with all the information for them to resolve this issue and get my money to me Case # XXXX I am losing money by having them hold it and they give no timeframe to expect my money back as if I didnt matter. I want my money back or deposited into my account ASAP. I am not going to wait for them without them even giving me a timeline of when I can receive my money back. I work at the bank that we sent the money to my account and I can confirm they have received it they are just holding my money without giving me a time frame.
Consumer complaint received 2020-02-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (NY)

I alerted my bank that there were fraudulent transaction made on my behalf sending money from my account to someone else. My bank told me they can not do anything for me, even when I told them that I could not have made those transactions. I told them my phone went missing and when someone returned it, one day later I noticed those funds were issued. There ought to be some protection for me as customer of my bank to be able to retrieve my funds. 

Please help.
Consumer complaint received 2017-07-26
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. (GA)

I disputed these Items several times with Equifax did not compile with the State Attorney General Settlement Agreement and 609 letters. Please note : Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : Equifax has refused and I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd pa rties you are damaging my reputation and credit worthiness. According Section 15 U.S. Code 1681d - Disclosure of investigative consumer reports ( b ) Disclosure on request of nature and scope of investigation Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receipt by him of the disclosure required by subsectio n ( a ) ( 1 ), make a complete and accurate disclosure of the nature and scope of th e investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later. The description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provide within 5 days of the completion of your reinvestigation.
Consumer complaint received 2023-10-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: NEW YORK COMMUNITY BANCORP INC (FL)

I stop making a payment for few month ( like 4 month ) for accident and i am trying to Start making a payment again and they not acepte my payment, they put me on foreclusure and making paper for los metigation. I start working againt few monta ago but they dont accepted any payment the want me to pay the total amound.
Consumer complaint received 2022-08-18
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: Experian Information Solutions Inc. (NV)

I lived at XXXX XXXX XXXX XXXXXXXX XXXX  XXXX back in XX/XX/XXXXAnd now XXXX, XXXX XXXX and Experian has been reporting over 10 different apartments for XXXX XXXX XXXX XXXX. I dont understand how this is possible. Thats not my signature or my charges please delete this stuff. I had no contract with talise.
Consumer complaint received 2018-09-27
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: AMERICAN HONDA FINANCE CORP (FL)

My automobile was in an accident and was considered a total loss. Subsequent to the accident I was told I had the financial that they had been in touch with the insurance company in full payment would be issued the Honda financial. Apparently the process took longer than initially thought and there were several payments not made on the automobile. I had since called Honda and paid all the funds that were due and they had promised that they would contact the credit bureaus and have my account marked as paid in full and paid satisfactorily on time.
Consumer complaint received 2017-07-26
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: ACS Education Services (NY)

ACS/XXXX XXXX XXXX XXXX Date XX/XX/XXXX Amount : XXXX I tried Disputing this several times now Im trying another approach. FTC report # filed XXXX XXXX XXXX XXXX XXXX  Date XX/XX/XXXX AmountXXXX I tried Disputing this several times now Im trying another approach. FTC report # filed XXXX
Consumer complaint received 2023-04-19
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: Experian Information Solutions 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.