davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-11
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)

My interest is being capitalized on my student loans unlawfully and because of XXXX 's unlawful practices. I pay my student loans based on an income based repayment plan. I received a notice on XX/XX/XXXX, that I would need to recertify my income in about two months and if the recertification was not received by XX/XX/XXXX, my payment would go up. On or about within 72 hours of receiving the notice to complete the recertification, I uploaded my application on the XXXX website on XX/XX/XXXX, and on XX/XX/XXXX, I received a notification that the application was incomplete and needed additional information. I uploaded the requested information to XXXX on XX/XX/XXXX, two weeks before the XX/XX/XXXX, deadline from the XX/XX/XXXX, letter. Pursuant to the letter dated XX/XX/XXXX, my correct application was received two weeks prior to XX/XX/XXXX, and my application should have been processed and not resulted in an escalated payment in XX/XX/XXXX. I realized I had not had a response on my income based repayment application and called XXXX as well as resubmitted my income based repayment application again just to be double sure it was received. I requested my new payment amount and was told that my application had not been processed due to a backlog of unprocessed recertifications on XXXX 's part. I asked that my payment be recalculated so I could make my XXXX payment. I was told that could not be done and a new bill could not be issued for XX/XX/XXXX and once mentioned I would be filing a complaint with the CFPB, which I have done, the call was escalated and I was told by the representative that they would go ahead and immediately process my income based request and would try to have the XXXX payment corrected, but they could not guarantee that would happen. I called at the end of XX/XX/XXXX when I noticed I had no automatic debit for XX/XX/XXXX scheduled on my account and the representative told me XXXX had placed my loans on a forbearance without my permission and the type of forbearance was a status that signified that it was due to a servicer issue. I specifically noted how that would affect me by extending when my loans will be ultimately forgiven and how this was done through no fault of my own. I also specifically asked about interest capitalization and was told that would NOT happen because the status of the forbearance was due to a servicer issue. I received an email tonight, XX/XX/XXXX, at XXXX XXXX stating that if the interest was not paid by XX/XX/XXXX, outstanding interest in the amount of {$18000.00} is going to be capitalized. I did not request a forbearance, change in repayment plan, etc. XXXX did not process my recertification application in time and placed me into a forbearance I did not request and is now going to capitalize {$18000.00} in interest on my student loans. This is unlawful and an abuse of power. I am looking for someone to assist in correcting XXXX 's egregious wrongs. PLEASE HELP!
Consumer complaint received 2023-03-23
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. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX TX XXXX ; XXXX Date of Inquiry : XXXX.
Consumer complaint received 2018-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX After viewing my XXXX  credit report I noticed that there are several duplicate accounts listed on my credit reporting and a few accounts reflect incorrect dates on loan origination, loan term & payments. 

I have 4 to 5 duplicate accounts listed on my XXXX credit report starting with page 8 Account # XXXX {$470.00} page 10 Account # XXXX ... XXXX {$3800.00} Page 12 Account # XXXX .... {$3800.00} Page 12 Account # XXXX {$470.00} Page 12 Account # XXXX {$3500.00} Page 13 Account # XXXX ... {$3500.00} Page 14 Account # XXXX ... {$3500.00} Page 14 Account # XXXX .... {$3500.00} There are several errors listed as well with the TERMS of the loan, loan origination dates & payments. I can list them all its so many. I would like to start my dispute with the duplicate accounts listed thatll give me time to write all of the errors. 

Under the provisions of the 1977 Fair Credit Report act I hereby request that the reporting agencies prove to me in writing the accuracy of the reporting this account. Under the terms off the act & succeeding court cases they have 30 days to improve the accuracy or they must remove the account from my credit report. 

Please feel free to call me with any questions you may have at the above number. 

Thank you, XXXX XXXX
Consumer complaint received 2023-03-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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, XXXX CARD, 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-07-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any ITEMS which are found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ; XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; DEPT OF ED XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-11-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (AL)

Roundpoint mortgage servicing corporation obtained the mortgage I closed with XXXX XXXX on XX/XX/2018. This loan includes an escrow requirement for property taxes. On XX/XX/2018, I provided XXXX XXXX with a letter from the county indicating that I owed no property taxes for XX/XX/XXXX. I asked XXXX XXXX to remove the property tax escrow from my mortgage payment. They indicated they had sold the loan and could not do anything and I should contact the new owner of the loan, but they couldn't give me the new owner 's contact info until XX/XX/2018.

On XX/XX/2018, I was notified that the owner of my loan was now Roundpoint mortgage servicing corporation. I immediately provided XXXX   with the letter from the county indicating I owed no property taxes for XX/XX/XXXX and asked them to remove the property tax escrow requirement from my loan and to apply the XX/XX/XXXX property tax I already paid to my loan balance. XXXX notified me that they received my request and would contact me by XX/XX/2018. I never heard from them. They sent me a letter saying that the escrow could not be eliminated since I owed escrow payments for insurance and for PMI payments. I notified XXXX that I did not request the elimination of the escrow, only the removal of the property tax component. I spoke with a supervisor at XXXX who guaranteed me that my issue would be resolved by XX/XX/2018, and she guaranteed me a call on XX/XX/2018, to verify the resolution. I have not heard from XXXX and my account still shows the payment required for the property tax escrow.
Consumer complaint received 2018-12-18
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY (OR)

I NEVER had an American Express Account ending in XXXX. I do NOT owe American Express any money. The Account Balance is XXXX. American Express has all my correspondence and can provide XXXX XXXX XXXX copies. 

This is the second DEBT Collector that American Express has sent after me. I wrote to XXXX XXXX XXXX, explained that American Express Account XXXX is FRAUDULENT. XXXX XXXX XXXX stopped contacting me but did NOT resolve the problem. 

American Express just assigned the FRAUDULENT Debt Account XXXX to XXXX XXXX XXXX and XXXX XXXX XXXX is HARASSING ME.
Consumer complaint received 2022-07-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I forwarded a letter to the TransUnion Credit Bureau dated XX/XX/2022 to update these questionable accounts. I think you have not validated these accounts in agreement with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again : XXXX XXXX XXXX Balance : {$15000.00} ; XXXX XXXXXXXX Balance : {$1100.00}
Consumer complaint received 2018-11-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (KY)

I am filing this complaint for two reasons, I believe that Navy Federal failed to take proper action when I notified them of fraud on my account. They failed to mark my card as lost or stolen which allowed more unauthorized and unreimbursed charges to be added to my account. Secondly, I do not believe they did a true investigation on my account, because I was told that these types of claims could take up to 10 days and both of my claims where closed within 24 hours. They also never advised me to get a police report for this fraudulent activity. They never called to ask follow up questions. My card was used in New York and Florida which are places that I could not have been in as I was in the hospital in Kentucky, of which I notified Navy Federal. My card was used to send money to people and address that I do not know. I think these are all clear signs of fraud that Navy Federal chose to ignore. Here is an outline of my interactions with Navy Federal : XXXX XXXX Unauthorized charges appeared on my account ( Please see attached police report for charge amounts ) XX/XX/XXXX -Called Navy Federal to dispute unauthorized charges on my account. They said that they would file a fraud claim and add a provisionary credit to my account XX/XX/XXXX I spoke with a male Navy Federal representative, he notified me that there was a mistake on my claim. They had failed to mark the card as lost or stolen. 
XXXX XXXX-The fraud claim was denied XX/XX/XXXXI sent an email, to request my claim be reopened and more thoroughly investigated. As I was in the hospital and could not have made these charges. I also called several times that day. The investigation was reopened and closed again within 24 hours. 
XXXX XXXX- I filed a police report. I hopes that Navy Federal would take my claim more seriously if I was able to submit legal documentation
Consumer complaint received 2023-03-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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, 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 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 2022-07-26
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: Experian Information Solutions Inc. (LA)

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX and I'm including it again. 
XXXX XXXX Balance : {$29000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2.00} XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2018-11-16
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HW Holding, Inc (DC)

In XX/XX/XXXX to XX/XX/XXXX, I was contacted by Hunter Warfield Collection  agency regarding payment to XXXX XXXX XXXX for apartment that I did not live in. They keep calling and sending notifications to my personal home for a balance of {$9300.00}. 

I told them that this is not my debt and this debt belongs to XXXX XXXX who lived there. I did co-signed for her to get an apartment in XXXX ; however, due to safety and security so she told me that she provided the rental office a letter of her leaving the apartment three months before it was up. 

I asked them just on this past Tuesday, XX/XX/XXXX to not to call me and if this is amount that you say I owe, please provide the documents that XXXX XXXX XXXX has sent you for it does not amount to what you are saying. 

I have documentation from the person that was living there and she stated that this is not my debt and that she sent a check of in the amount of {$1400.00} on XX/XX/XXXX for which it was notarized to a debt amount of {$9000.00} with a settlement amount of {$4400.00}. 

What can I do to get this off my credit report for All 3 bureaus? Plus for the state of Maryland statue limitation is 3 years. It is more than 3 years since XXXX.
Consumer complaint received 2018-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/XXXX, I paid two bills with my Bank of America Mastercard. Bank of America Mastercard charged me a {$10.00} transaction fee for each payment saying that it was a cash equivalent. Never before have I been charged this fee. I called to find out how I could identify what companies would cause this fee to occur. XXXX at Bank of America said there was no way to identify these companies and that they could charge me the fee anytime they wanted based on a companies designation, but he said there was no way I would know the designation.
Consumer complaint received 2022-02-09
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. (MI)

TRANSUNION 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 XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX 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
Consumer complaint received 2018-11-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CITIBANK, N.A. (DC)

Contacted multiple times by XXXX XXXX XXXX, which is not a legitimate business stating that I " owed a debt '' on a Citibank Credit card that " someone may have illegally taken out '' during XX/XX/2015 however, I did not live in the US in XX/XX/2015, nor did I open an account or give anyone my personal information. They stated that they had sent me multiple correspondence and that the only way to resolve this was to pay {$2500.00} on the spot and the harassing calls and contact to my family members and myself would stop. 

After looking up their information, I realized quite quickly this is a scam. The company has yelled at my family members on the phone multiple times during the workday and I have now filed a police report for harassment. I look forward to pursuing this further as this is a scam.
Consumer complaint received 2022-07-26
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: EQUIFAX, INC. (LA)

I sent a letter on XX/XX/2022 to remove : XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX  XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$840.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00}, which are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these items or information not later than 4 business days after the XX/XX/2022. Ive already included this in my previous Complaint # XXXX ; XXXX ; XXXX & I am including it again.
Consumer complaint received 2018-11-16
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. (UT)

I have tried submitting disputes org Equifax about errors on my report but it does not save. If I try to start a new one it wont let me and says my information doesnt match there records even though I had previously started one without a problem. 
Equifax makes it extremely difficult to dispute an error. The score they give is dramatically different than other credit agencies. 

XXXX does not process applications or report current information to credit bureaus. It keeps increasing my balance for no reason and the account is deferred while I consolidate and change servicing companies. XXXX has thousands of complaints but no one will do anything about it.
Consumer complaint received 2022-07-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I sent a letter on XX/XX/2022 to remove : XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXXXXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$840.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00}, which are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these items or information not later than 4 business days after the XX/XX/2022. Ive already included this in my previous Complaint # XXXX ; XXXX ; XXXX & I am including it again.
Consumer complaint received 2022-06-19
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. (PA)

In accordance with the Fair Credit Reporting act XXXX Fed 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