davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-20
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: SANTANDER HOLDINGS USA, INC. (NC)

In accordance with the fair reporting act XXXX XXXX XXXX of XXXX XXXX Account XXXX has violated my rights. 

Code 1681 ( 2 ) a, i.has been violated.

15 USC 1681 section 602 states i have the right to privacy.

15 USC 1681section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-03-20
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: Time Investment Corporation (NC)

In accordance with the fair reporting act XXXX XXXX XXXX of XXXX XXXX Account XXXX has violated my rights. 

Code 1681 ( 2 ) a, i.has been violated.

15 USC 1681 section 602 states i have the right to privacy.

15 USC 1681section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2019-07-03
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND A FEW INACCURATE ACCOUNTS AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2019-07-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ACS Education Services (NC)

I'd like to receive payment history ( for amount paid ) throughout the life of my student loan. The loan was sold by the company formerly known as ACS ( Conduent ) and is now serviced by XXXX. I have all payment history from the date of XX/XX/XXXX but would like the prior 11 years ' worth of history from Conduent. Payments began some time in XXXX and there has been some forbearances and deferments during that time. When my balance was transferred over to XXXX, the high amount as reflected on my credit report says {$19000.00}. When I began making payments with XXXX, they started my balance as {$21000.00}. I don't understand this discrepancy. I need to confirm accuracy by reviewing the history in total. On the XXXX website, they state they have only received one historical transaction from ACS/Conduent and it was basically the total balance due ( {$21000.00} ). There were no history of payments. Also, there are no previous tax statements at all. My statements only go back to XXXX. When I log into the Conduent/ACS site, it just tells me they no longer service my account and to refer to the new servicer. I have tried contacting ACS by phone. However, the number is not in service. I have contacted Navient by phone but they say this is not their problem. I believe I have made at least half of the 120 payments required for loan forgiveness. However, I have no historical proof due to the way my loan has been managed by ACS educational services.
Consumer complaint received 2022-12-14
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)

On or about XX/XX/XXXX, I inquired with XXXX by providing a letter, asking if they would remove derogatory information from my credit profile which is reported to the three credit agencies. The attached letter will provide the background information for my request to remove the derogatory information, but I will provide some brief context. 

I submitted a few request to the credit agencies disputing the accuracy of what was being reported to my credit report as I believe it was not accurate. 

I purchased a vehicle in XXXX, which XXXX financed. In XXXX, XXXX took repossession of the vehicle because I was unable to payment. I received notification the vehicle would be repossessed. The vehicle was sold for more than what it was worth ; thus, I received a check for the excess. XXXX did not follow Georgia 's O.C.G.A. 10-1-36 law as it relates to notification where the the creditor must notify you of the time and place your car has been sold. 

I reached out to XXXX in XX/XX/XXXX to ask if they would be willing to remove the derogatory information from my credit report and after speaking with a representative of the CEO of XXXX, the young lady stated that would not be possible. She said by law they are required to report to the credit agency which I indicated was not the case, but a choice. A choice that I signed allowing XXXX to conduct when I signed the vehicle purchase agreement. The young lady also stated that the derogatory information would fall off my report in XXXX of XXXX. 

I take full accountability for not paying my obligation ; however, had I known there was a possibility of me retrieving my vehicle back, then I would have taken that option rather than damage my credit for 7 years. 

My dispute is in accordance to Georgia 's O.C.G.A. XXXX law, the repossession process was not followed completely by XXXX ; especially since they were unable to provide the letter indicating the date/time/location of the sale to me.
Consumer complaint received 2018-02-24
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: AMERICAN HONDA FINANCE CORP (FL)

My father whom is XXXX, has an auto lease with Honda Financial Services that is coming to an end and wants to pay off the car to keep it. He was instructed in their XXXX that he can do the pay off at a Honda car dealership. The payoff amount is {$13000.00} which includes sales taxes and any possible fees. 
I arrived at the dealership in the middle of the transaction where they were charging the payoff amount of {$13000.00}, sales taxes of {$910.00} ( which is already in the payoff, ) dealer fee of {$790.00} and title registration of {$490.00} - for a car that already has a registration. Fortunately, we were able to stop the transaction. 
In addition to elderly abuse, this is clear deceptive, unfair and fraudulent practices of Honda Financial Services and their dealerships. I contacted their XXXX line and the representative mentioned that this is normal practice and the fees are " customary. '' The dealership is XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX.
Consumer complaint received 2024-03-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (TN)

This Company called Early Warning Services, Has all of My personal and private banking transaction history, Bank Name, Status History, balance information, routing and account number, etc.I ask the agent how they have all my information without my consent, and he told me my bank.I told him that in my terms and conditions it clearly states, they do not provide my information to non affiliates, but XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX , are Third Party Companies My bank Violated me under the Privacy Act of 1974 .So Per the FCRA, as a Federally Protected Consumer, I XXXX XXXX , I am now opting out any and a authorization, I XXXX XXXX the consumer may have giving you, written, unwritten, verbal and non verbal per 15 USC 6802.Period, Point, Blank! Effective now and Indefinitely.I feel anguish, humiliation, grief, betrayal, lost of words for my banks in a whole past and present.The law says it is illegal to report transaction history period
Consumer complaint received 2024-03-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (NC)

Nelnet needs to remove the {$40000.00} balance from my credit report. Nelnet is violating the settled class action XXXX XXXX XXXXXXXX lawsuit. Nelnet has until XX/XX/24 to complete this discharge.
Consumer complaint received 2022-12-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (CA)

My student loans were transferred to Mohela in XXXX or XX/XX/XXXX. 

I have been pursuing public service loan forgiveness ( PSLF ) since XX/XX/XXXX and all of my interactions with Mohela have been related to my PSLF process. 

In XX/XX/XXXX I submitted my final employment certification form for PSLF, certifying that I had been working in public service for 120 months ( the requirement for PSLF forgiveness ). 

In XX/XX/XXXX, my employment certification form was processed and my Mohela account was updated to reflect 120 months of qualifying PSLF employment/payments. XXXX qualifying months is what is required to have the remainder of your qualifying student loans forgiven. 

I have inquired several times to Mohela ( via email and the online chat function ) over the last several weeks about the status of my account. Typically, once someone reaches XXXX qualifying paymens their information is forwarded to the Department of Education to verify and request forgiveness. However, each time I have inquired I have either received no response ( I emailed the Mohela military address XX/XX/XXXX and still have not received a reply ) or have been told there is no update to provide about my account status, that I just need to wait ( I have received this response several times via Mohela 's chat feature, most recently on XX/XX/XXXX ). To me, this is completely unacceptable. I have reached the requirements for forgiveness, there is no reason that Mohela should not be doing their part to allow me to achieve forgiveness.
Consumer complaint received 2019-07-03
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. (OH)

Equifax and XXXX  are incorrectly reporting me as an Authorized User on XXXX partial account number XXXX. ( Please see page 9 of the attached credit report. ) I called XXXX XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX   however Equifax and XXXX have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.
Consumer complaint received 2019-02-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: SUNTRUST BANKS, INC. (VA)

On XX/XX/XXXX I went to XXXX XXXX checked my balance and charged XXXX cents with XXXX remaining in my available balance. 

SunTrust charged me a XXXX overdraft fee when my account was in a positive balance. Then claimed it was for an item that posted 3 days later. I have attached screenshots to show that they illegally took funds from my account and charged me a fee
Consumer complaint received 2021-02-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

I've Sent 2 609 Letters To XXXX Disputing Collection Accounts With XXXX XXXX XXXX. I Don't Know Who These Companies Are And I've Never Done Business With Them Or Signed Into Any Agreement With Them. I Advised Equifax That According to the Fair Credit Reporting Act, Section XXXX ( a ) ( XXXX ) ( A ), you are required by federal law to verify. I've Demanded To See Verifiable Proof Back And Still Have Not Seen Any Or Gotten Any In The Mail. I Spoke With XXXX With Equifax Who Was Rude And Not Very Helpful. XXXX Also Put A Block On My File So When I Call In I Can not Get Assistance, Forcing Me To Only Deal With Equifax By Mail. XXXX From Equifax Who Was Clearly From A Foreign Country Out Of The US Had Me On Hold For Almost 2 Hours And Then Disconnected The Call When I Asked To Speak To A Supervisor. I Would Like These Collections Accounts To Be Deleted Immediately.
Consumer complaint received 2019-07-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC. (GA)

I have contacted the collection agency, Wakefield & Associates on several attempts to try and resolve this issue. I have been unsuccessful in doing so. I have filed at least 3 disputes pertaining to these medical bills and I have yet to get them resolved. I spoke with a representative in XX/XX/XXXX and he assured me that the items would be removed because I have had someone in Ohio to steal my identity and file income taxes in my name. I have no knowledge of being treated or in the hospital during the dates that were provided which were in XX/XX/XXXX.I made another attempt in XX/XX/XXXX to contact Wakefield & Associates again and the customer service representative was very rude and we could not come to a resolution I never received a bill from the collection agency nor the company that it represents. I was only made known about the bill when I began my home buying process. I am disputing BOTH debts and I need them to be removed from my credit report because it is having a negative impact on my credit. 

Wakefield & Associates- {$850.00} Wakefield & Associates- {$840.00}
Consumer complaint received 2015-11-23
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY (FL)

I received a special invitation to apply for a platinum card ( American Express ) and applied online. I have a freeze on my credit and had to call to complete my application and spoke to a supervisor and he assured me that I would receive the miles promised in the invitation.The terms were for {$450.00} a year and I would get XXXX miles after spending a certain amount. After I reached that amt. I chatted online with a rep to see why my miles were not posted. She told me I had a card previously and would not get the miles. I am extremely upset by this {$450.00} is a lot of money to me and I would not have applied if not told in my invitation and by phone by a rep when completing my application that I would indeed receive the miles. American express has the records of my credit with them and should not have mailed a special invitation inviting me to apply if I had already had a card several years ago. I understand that all calls are recorded and they can certainly find out that the supervisor did assure me by phone I would receive the miles.
Consumer complaint received 2022-07-21
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. (WA)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX  XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX  XXXX XX/XX/2022 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 an account without my written instructions
Consumer complaint received 2019-07-03
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. (OH)

Equifax and XXXX  are incorrectly reporting me as an Authorized User on XXXX XXXX partial account numbers XXXX. ( Please see pages 7 and 8 of the attached credit report. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however Equifax and XXXX have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.
Consumer complaint received 2019-07-03
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. (NV)

In XX/XX/2019, I received an opened letter from XXXX XXXX XXXX due to it being misdelivered to another adress and immediately sent them ( XXXX XXXX XXXX ) a  debt validation letter. XXXX XXXX XXXX received my letter of debt validation as evidenced by attached Certified Mail Receipt. To date, I have not received validation of debt from XXXX XXXX XXXX via mail nor by phone and the negative entry remains on my credit files ( Experian, XXXX and XXXX ). Due to XXXX XXXX XXXX 's failure to validate debt and failure to respond in an appropriate amount of time, I am requesting immediate removal of their negative entry from my credit files immediately due to Fair Debt Collection Practices Act violations.
Consumer complaint received 2022-12-14
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. (IL)

In accordance with the Fair Credit Reporting and account #, has violated my rights : 15 U.S.C 1681 Section 602 A. States that I have the right to privacy 15 U.S.C 1681 Section 604 A. Also states thats a consumer agency can not furnish a account without my written instructions
Consumer complaint received 2023-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

I filed a further dispute letter to the credit reporting agencies on XX/XX/, asking them to remove or correct any disputed accounts that I believe are incorrectly reporting information about me in my credit file within the legal time frame. All accounts and information must be updated and/or deleted within 30 days of the date the dispute was received in line with Fair Credit Reporting Act section 1681i. Since I have been disputing the disputed accounts for so long, it is evident that the credit bureaus have steadfastly refused to comply with all of my demands. I am submitting this CFPB Complaint in accordance with the Fair Credit Reporting Act to ask the credit bureaus once more to rectify or delete the following accounts as soon as possible : XXXX XXXXXXXX XXXX Balance Owed : {$2000.00} XXXX XXXX XXXX Balance Owed : {$960.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$3400.00} XXXX XXXX  Bankruptcy Reference # : XXXX. The disputed accounts that are incorrectly reporting information on my credit file must be addressed as quickly as feasible by changing the status of the accounts or eliminating them entirely from my credit file.
Consumer complaint received 2023-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

My student loans used to be with XXXX XXXX, then was transferred to XXXX. XXXX discharged my student loans due to my XXXX. I tried to get the 3 credit bureu 's to fix my student loan 's on them to show closed or paid off. I even uploaded and mailed in proof of the discharge to all three, XXXX XXXX doesn't exist anymore, all their phones are disconnected, i have disputed to all three credit bureau 's at least 7 or 8 times and each time they keep saying that the investigation shows the information is accurate. How can it be accurate when they can't contact fedloan, two, i uploaded and mailed in proof of my loans being discharged. Why aren't they going by proof mailed to me from XXXX themselves showing that each loan was discharged. If you google XXXX XXXX, this is what you get : XXXX XXXX, a company that collected and tracked federal student loan payments, is no longer active. Its government contract expired in XX/XX/, and all loans in the XXXX portfolio have been transferred to other servicers. So being that they are no longer active, they were sent to XXXX in my case, in which nelnet discharged mine due to my XXXX. Why is it so hard to get the 3 credit bureau 's to actually fix my student loans on my credit reports, I mean evidence shows that it should show paid off, as well as XXXX said they should show paid of as well.
Consumer complaint received 2022-12-14
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. (CA)

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX .... Balance : {$1900.00}