davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc. (PA)

My loans are now being serviced by AidVantage. I received a letter stating that my IDR payment was rescheduled and my first payment is due in XXXX. This letter shows interest was capitalized. I also received a letter stating that my consolidation loans are on a deferment. 

During the COVID forbearance, federal servicers are not to capitalize interest. Why did Aidvantage 1 ) redisclose my IDR? I did not recertify my payment or ask for my payment to be recalculated. Why was my interest capped? Why am I on a school deferment instead of the COVID forb. With the COVID forb, months during this time go toward IDR and PSLF payments. By placing me on a school deferment, AidVantage is cheating me of IDR and PSLF payments.
Consumer complaint received 2021-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

I sent them certified letters numerous times asking them to correct the information but they refused. XXXX reported the same thing twice under different company names and Portfolio RC incorrectly reported that I owe them money. I sent multiple letters to all companies.
Consumer complaint received 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-03-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Firstsource Business Process Services, LLC (MO)

XX/XX/2022 I received Collections letter from one advantage I called The XXXX XXXX to educate the agency that the I was in an active bankruptcy and shouldnt get calls nor letter and to cease and desist I was hung on on the first call the second time I was Transferred after giving the reference number to the agent she said I had the wrong department called again hung up on called a third time asked for a supervisor I was told the supervisor wasnt available hung up on again
Consumer complaint received 2024-03-05
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: EQUIFAX, INC. ()

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2022-02-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (TX)

I previously submitted complaint XXXX. Credence Resource Management was attempting to collect a debt for XXXX XXXX XXXX that is not mine. In that complaint, I asked for verification of the debt and a letter of deletion. I never received any such verification or letter of deletion. Credence has started calling me again. They called and I did not answer yesterday, XX/XX/2022. They again called today, XX/XX/2022, asking about a debt from XXXX & XXXX with an address in Arizona. When I talk him the account was not mine and I've never lived in Arizona, he continued to ask other questions. I told him not to call again and only contact me by mail.
Consumer complaint received 2022-02-10
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: NAVY FEDERAL CREDIT UNION (NJ)

Date : XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Navy Federal Credit Union XXXX XXXX XXXX XXXX, VA XXXX XXXX : DXXXX XXXX XXXX XXXX  : ADVERSE ACTION DATED XX/XX/2022 Recently, I, XXXX XXXX, was denied an extension of credit by Navy Federal Credit Union XXXX On XX/XX/2022, I applied for the Cash Rewards Visa. 

As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). Navy Federal Credit Union has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the letter you sent me dated XX/XX/2022 is both a proof and evidence that I have been discriminated against, you are also criminally liable. Navy Federal Credit Union should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. 
Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. 

BEST, XXXX, XXXX Without prejudice, all natural inalienable rights reserved.
Consumer complaint received 2022-03-15
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: EQUIFAX, INC. (GA)

I reviewed my credit report and it showed multiple errors. The errors included incorrect names, addresses, accounts, and inquires that weren't authorized by me. I submitted multiple letters on XX/XX/XXXX, a second letter in XXXX as well as another letter XXXX XXXX, 2022. I haven't received any updates and this is affecting my life majorly due to them constantly reporting incorrect and fraudulent information.
Consumer complaint received 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc. (MN)

On XX/XX/2022, I received a credit alert from XXXX XXXX XXXX that Aidvantage reported a new student loan onto my credit file. That same day I also received a credit alert from XXXX that Aidvantage also reported that this same student loan 's previous " credit limit '' was {$10000.00} however the " credit limit '' was " reduced '' to {$4100.00}. Due to the incorrect information being reported by Aidvantage ( reported this student loan account as having a credit limit ), this decreased my credit score with XXXX substantially, by almost 20 points when the " credit limit '' was " reduced. '' A telephone number was provided on my credit file for Aidvantage ( XXXX ). When I called this number, an automated system let me know that this number was to verify employment with federal workers. Not only had Aidvantage incorrectly reported information on my credit file ( reported a student loan with a credit limit ), it also lists an incorrect telephone number to get a hold of this student loan servicer. I then looked up Aidvantage 's telephone number online and spoke to several reps, including a manager who hung on on me. The reps told me to send in a written dispute, however, did not give me any information as to where it should be sent. They also refused to give me their credit reporting department 's telephone number.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

My account was listed as closed on XX/XX/XXXX due to a repossession. My account is not closed and my car was not repossessed. I reached out to them to ask them to report the correct information to the credit bureaus. They are refusing. I want them to show proof of my car being repossessed in XXXX of XXXX. I want them to prove what they are saying about my account.
Consumer complaint received 2021-04-14
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (CO)

I received a letter from Colorado State Unemployment office the week of. XX/XX/XXXX, that I had filled for unemployment, which I HAD NOT. Then I received a pre-paid card from USBank asking to activate it. The name on the card isn't even right as there is a middle initial on it and I DON'T have a middle name. 

This have been issued as a complaint with the CO Unemployment office, my company, my bank and my credit agency.
Consumer complaint received 2022-02-10
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CCM Finance LLC (TX)

XX/XX/18 purchased car from XXXX XXXX XXXX & gave XXXX down ( CCM financial llc ) XXXX I spoke with CCM and asked them to take payment. 

XXXX they repod the car. 

XXXX I called CCM and asked why they took if they were supposed to take payment. From my debit card got hung up on & when I called again they were closed XXXX called again and got out on hold and then forwarded to a vm. Left vm XXXX called & requested the total amount due XXXX order to redeem the car, & planned to make the money gram payment same day, lady told no can do theyre deciding to close out my loan for good with no option for redemption and were unable to give me any more information and hung up on me. Called back and continued to be hung up on saying you dont have an acct with us we cant take your call XXXX I called for an explanation of why they werent wanting to let me redeem my car, and asked why I havent been called or sent any letters or anything and they said theyre not required to disclose anything to me since my acct is closed. 

XXXX I called to ask about my things that were in car and got hung up on.
Consumer complaint received 2024-03-06
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to address a matter of utmost urgency regarding my credit report. Upon reviewing my credit history, I was shocked to discover the presence of a fraudulent account that does not belong to me. This unauthorized account has tarnished my creditworthiness and poses a significant threat to my financial well-being. XXXX XXXX
Consumer complaint received 2016-03-23
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: LoanCare, LLC (NY)

My mortgage was with LOANCARE SERVICING from XXXX. I began a modification in 2014 where my payments were made on time and I should not have been reported late to the credit bureaus. I thought all was reported ok until recently I had my credit looked at as I am in the middle of purchasing a new home and indeed LOANCARE reported me late for those months. I was horrified and very angry when I saw this because multiple representatives told me this would not happen. this is quite the tarnish to leave on my credit and I am very unhappy as to why I was lied to and how this has affected my credit score and also my potential for getting a new mortgage. I have spoken to loan care a few times and they have been very unresponsive and not helpful at all. after hours and hours of calls when I finally spoke to someone they asked for a written request. I sent this is In XXXX of this year and still nothing. The months in question are XXXX, XXXX, XXXX, XXXX, XXXX, XXXX.
Consumer complaint received 2022-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Kikoff Inc. (NM)

to whom it may concern, i dont even remember signing up with kickoff now i have a late balance but im reading what kickoff is about and i seem interested now on maybe i shoud keep this app it states that kickoff actually helps to buid your credit score and that actually get to barrow money it says that i have a 500.00 credit available but i never recieved any type of card also it wants me to put my card information for auto pay i havent even got to do anything i did contact kickoff a couple of days ago and all they told me was that they will get back to me is kickoff even real app now im starting to think i think i contacted them on XX/XX/2022 thank you i need someone to help me to understand more i guess and to send me a credit card and i can actually get on the ball and fix my overdue balance and put auto pay on thank you for your time and help ....
Consumer complaint received 2022-10-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I received an inquiry on XX/XX/2022 from { XXXX } On XX/XX/2022 and XX/XX/2022 as well as XX/XX/2022 I submitted Written evidence as well as documents showing that the information that is being reported is incorrect I am not familiar with this inquiry 100 % no accurate chamges have been made to my report since I have submitted this evidence
Consumer complaint received 2022-03-15
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: EQUIFAX, INC. (GA)

I reviewed my credit report and it showed multiple errors. The errors included incorrect names, addresses, accounts, and inquires that weren't authorized by me. I submitted multiple letters on XX/XX/XXXX, a second letter in XXXX as well as another letter XX/XX/2022. I haven't received any updates and this is affecting my life majorly due to them constantly reporting incorrect and fraudulent information.
Consumer complaint received 2022-10-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (AL)

Dear Chase, I am contacting you all about the Chase XXXX XXXX Credit Card that is now closed, but was fraudulently opened in my name and card ends in XXXX. 

I would like to receive via email at XXXX copies of all secure messages sent to and from this account via the app by the individual that fraudulently opened this account as well as all account statements, and all notices and letters that were sent in relation to this account. 

Thanks. 

I appreciate your assistance so far in this urgent and serious matter. 

XXXX Regards, XXXX XXXX
Consumer complaint received 2022-10-10
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: CAPITAL ONE FINANCIAL CORPORATION (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. 
Account name : XXXX # XXXX ..., Account name : XXXX XXXX XXXX # XXXX, Account name : Capital One # 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 states that a consumer reporting agency can not furnish an 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, 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 2022-03-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX {$0.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph
Consumer complaint received 2022-10-10
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: BARCLAYS BANK DELAWARE (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. 
Account name : Barclays # XXXX ..., Account name : XXXX XXXX XXXX # XXXX, Account name : 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 states that a consumer reporting agency can not furnish an 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, 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 2022-03-15
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. (SC)

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2024-03-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC. (NJ)

Robinhood is illegally holding my funds and making it incredibly difficult to communicate with anyone on their side. They initially restricted my account because of " suspicious '' activity. THis was following my attempt to transfer cryptocurrency outside to my own wallet. It was an incredibily frustrating and annoying experience, but eventually I was able to verify my transactions and my account. What's strange and potentially illegal, is that on that same day, I decided I didnt want to deal with this firm anymore so I transferred all of my funds to my verified bank account ( the one that was funding the Robinhood account ). But they changed the amount of the transfer without my permission. I transferred roughly {$5100.00}, they modified this to {$150.00}. When I reached out to them about this, they then repeated that the account was restricted. I then countered by saying then why did Robinhood allow the smaller transfer? They went radio silence after that and then had the audacity to say that they have the right to no longer maintain my account and would be transferring all funds to my bank account within 15 business days ( this email was sent on XX/XX/XXXX ). Soon after they charged my account for having an margin account? I dont get this charge because my money is currently in cash only? My repeated attempts to get answers to my questions about the modified transfer and also the margin charges were ignored. Then they sent another email to me today XX/XX/XXXX, repeating the same " we have the right to no longer maintain my account '' and would be transferring all funds to my bank account within 15 business days ( this email was sent on XX/XX/XXXX ). So they are continuing to delay the release of my funds. I am not alone in this eggregious and potentially illegal behavior from Robinhood. Please look into this, thank you.
Consumer complaint received 2022-03-15
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. (SC)

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2022-03-15
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: Experian Information Solutions Inc. (GA)

I reviewed my credit report and it showed multiple errors. The errors included incorrect names, addresses, accounts, and inquires that weren't authorized by me. I submitted multiple letters on XX/XX/XXXX, a second letter in XXXX as well as another letter XX/XX/2022. I haven't received any updates and this is affecting my life majorly due to them constantly reporting incorrect and fraudulent information.