davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (FL)

I have been paying my student loan every month for almost 12 years. I have never had a problem until a couple of months ago. They raised my payment {$250.00} more a month even though I made {$6000.00} less than I did last year. I have been paying {$190.00}. a month. I have mailed them 3 different Income driven repayment plans with a copy of my XXXX showing I made XXXX last year. They keep emailing me saying I made XXXX so they are basing my payment on that amount. I emailed them 3 times now saying to please look at my XXXX that shows I made XXXX but they email me saying I made XXXX. I will be XXXX in XXXX and I feel as though this is elder abuse. I have told them I can not pay the 450 a month. I have called several times but there phone number is for the XXXX, they have no number for the USA. The people in the XXXX put me on hold and say there computer is down and they can't help me. The student loan company is Navient. I want to pay my loan but I want it to be based on my income not the income they are saying I made. Please help. Thank you
Consumer complaint received 2019-04-02
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. (OR)

On XX/XX/2019, I discussed loan refinance with a lender, XXXX XXXX. I gave the permission to pull my credit around XXXX. Less than hour later, I became inundated by unsolicited phone calls from other lenders or their representatives who obtained my information from the credit bureaus, ( Equifax, XXXX and XXXX ). They all claim that they are partners with these credit bureaus.

I did not agree for my information to be shared with anyone! 

Who gave these people my phone number??? 

Why are credit agencies matching the credit inquiry with my phone number and giving to these other parties - I did not authorize that. 

I lost several hours of my time just handing the calls.
Consumer complaint received 2022-12-30
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. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 Credit Bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute 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 ). 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2019-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: FIFTH THIRD FINANCIAL CORPORATION (KY)

In XX/XX/XXXX, I was charged a {$5.00} fee on my credit card for a cash advance I did not request through my bank. Then again in XX/XX/XXXX for the same amount and description. I went to my local branch to ask why I was getting charged for a service I never requested and was asked if I had asked for a cash advance or used my credit card in an ATM to take out cash, which I had not. I was ultimately told that I can not do anything about the charges on my credit card because it's the merchants fault by how they " charge '' my credit card and the next time I make a purchase I should be told if they will charge it as a cash advance or to ask them how they will charge my card, but even then they won't always know what I mean. Therefore, I am being charged for a service that I never requested and I can not do anything about it.
Consumer complaint received 2019-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NM)

This is in response to XXXX XXXX XXXX XXXX XXXX and the inaccurate reporting of information on my personal credit reports. This information is being reported as a new negative and has re-aged the account. When looking through the report you can clearly see the errors being reported by XXXX. 
Upon asking XXXX  to correct some payment status information on my Experian report they reported that a claim was filed with Government in XX/XX/XXXX and XX/XX/XXXX. This is why the accounts have had the timeline re-aged. The account should fall off from first date of delinquency that lead to the default which would have XX/XX/XXXX has the removal date or age off date. The date claim was filed with government was several years ago and in that fact alone they are reporting inaccurate information. I have filed disputes to update this information with the credit agencies to no avail. I have also been in contact with the Creditor XXXX and have provided the information needed to fix the errors. 
They have responded that the information is accurate. So despite providing all this information they choose to ignore the errors being reported. If these errors can be fixed than they need to remove the account completely from the reporting agencies as this is hurting my credit report and is causing emotional distress. 

They have failed to resolve the issue so I ask that the Consumer Financial Protection Bureau step in and resolve this matter as this has gone on long enough with disregard to FCRA 15 U.S.C. 1681. 

Thank you, XXXX XXXX
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 US DEPT ED XXXX XXXX XXXX XXXX SOC SEC XXXX XXXX XXXX XXXXXX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2019-04-02
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (WI)

Upon starting my new lease I enrolled in autopay to handle the monthly payments. Everything appeared to be set up correctly and the XXXX XXXX site reflected that my account was set up on autopay. When the first payment came due, I received a confirmation email stating that a payment had been made to my account through XXXX XXXX recurring autopay. Upon reviewing the online transaction history through XXXX XXXX, it also appeared as though the payment had been made. Because I previously had problems with misleading items on XXXX XXXX 's payment portal, I logged in to ensure things were ok leading up to my second payment. The page showed that my lease was overdue, but still appeared to show my previous payment being made. When I clicked the button to send a payment, I was prompted to ask if I was sure that I wanted to send a payment as my account was set up on autopay. At this point I contacted XXXX XXXXl via chat where I was informed that my autopayment wasn't working even though it appeared as though the payment was sent the previous month on the transaction history page. I received zero communication that there was an issue with autopay at the time of set up, when the first payment failed, or when I logged into my XXXX XXXX account page. Even when attempting to make a payment, I was dissuaded from doing so since my account was set up for autopay. It seems as though XXXX XXXX is blatantly deceiving consumers in an effort to collect extra fees and late payment charges. At a minimum they should be required to notify consumers that autopay has failed via multiple methods ( email, a prompt on the website when you log in ).
Consumer complaint received 2019-04-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: College Ave Student Loan Servicing, LLC (NY)

Over the last 4 weeks I have been actively attempting to payoff 1 of 4 loans I have with XXXX XXXX XXXX XXXX company. 
- I made a {$1300.00} payment request in XXXX, it was reversed 3 days later. 
- I inquired about it, the customer service rep was unable to tell me why. He advised he will inquire and will contact me back. Never did. 
- 4 days later I see the {$1300.00} payment is being made, but spread across the 4 loans rather than how I authorized it towards 1 loan. 
- I inquired again and was told I would be refunded. It never happened. 
- I again called and requested that the payment is properly allocated towards the right loan. I was told by a " Supervisor '' that it will be, 5 days later and it has yet to be done. 

Terrible company. There has to be something illegal about what they're doing. I'm currently in process of transferring my loans to another company.
Consumer complaint received 2023-01-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Associated Credit Services, Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACS IncXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.. 

View customer complaints of ACS Inc. ( XXXX XXXX XXXX  ) From : XXXX XXXX Sent : Thursday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Important Information from ACS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Creditor : XXXX Our Account Number : XXXX Original Account Number : XXXX Balance : {$50.00} ________________________________________ Dear, Despite our attempts to reach you, your account remains significantly past due. We would like to assist you in resolving your collection account. Upon resolution of your account, all collection activity will be stopped. It is important that we address your account promptly. Even if you are experiencing a financial hardship, we would like the opportunity to work with you towards a mutually agreeable resolution. Please keep in mind that unless you communicate with us, we can not assist you. Please contact our office as soon as possible to further discuss your account. 
Mail : To make a payment by mail please send your payment to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MA XXXX Phone : To pay by phone or if you have questions about your account please call XXXX Online : To make your payment online please visit XXXX or click the button below CLICK HERE TO PAY Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Toll Free ( XXXX ) XXXX Fax ( XXXX ) XXXXXXXX XXXX  This communication is from a debt collector. This is an attempt to collect a debt, and any information obtained will be used for that purpose. 
CO : In Colorado : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CO XXXX. ( XXXX ) XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. 
NC : North Carolina Permit # XXXX - XXXX XXXX XXXX, XXXX XXXX, XXXX, MA XXXX North Carolina Permit # XXXX - XXXX XXXX XXXX, XXXX XXXX, XXXX, MA XXXXXXXX XXXX XXXX This collection agency is licensed by The XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

XXXX XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). XXXX XXXX is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to EXPERIAN by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

XXXX XXXX XXXX XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). XXXX XXXX XXXX XXXX is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to EXPERIAN by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Consumer complaint received 2019-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I did a voluntary surrender of my vehicle back in XXXX of XXXX due to unforeseen circumstances I was not able to keep up with the payments. XXXX XXXX XXXX had sent me a Notice of Repossession and Notice of Plan to Sell Property letter. I have never received the Deficiency letter to let me know what the car had sold for or any other correspondences in this matter. I thought this was a closed deal until I pulled my credit report in XXXX and it was on there for {$12000.00} as a Closed/Charge-off account. I have been trying to get this information from XXXX XXXX XXXX via phone with the first call be around the XXXX or XXXX of XX/XX/XXXX. I have made multiple calls since then with them telling me that this information was in a queue and would be e-mailed/mailed to me by the next day, I have never received anything. I have also mailed a certified letter to XXXX requesting these documents by XX/XX/XXXX with no luck also. I did however receive a copy of my signed contract via email on XX/XX/XXXX. I followed up with a phone call asking when I can expect to receive the other documents that I have requested and she said that I would receive the Deficiency Letter in a few hours via e-mail and the payment history in 24-48 hours and as of today I have not received them.
Consumer complaint received 2019-04-01
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. (PA)

I did a voluntary surrender of my vehicle back in XXXX of XXXX due to unforeseen circumstances I was not able to keep up with the payments. XXXX XXXX XXXX had sent me a Notice of Repossession and Notice of Plan to Sell Property letter. I have never received the Deficiency letter to let me know what the car had sold for or any other correspondences in this matter. I thought this was a closed deal until I pulled my credit report in XXXX and it was on there for {$12000.00} as a Closed/Charge-off account. I have been trying to get this information from XXXX XXXX XXXX via phone with the first call be around the XXXX or XXXX of XX/XX/XXXX. I have made multiple calls since then with them telling me that this information was in a queue and would be e-mailed/mailed to me by the next day, I have never received anything. I have also mailed a certified letter to XXXX requesting these documents by XX/XX/XXXX with no luck also. I did however receive a copy of my signed contract via email on XX/XX/XXXX. I followed up with a phone call asking when I can expect to receive the other documents that I have requested and she said that I would receive the Deficiency Letter in a few hours via e-mail and the payment history in 24-48 hours and as of today I have not received them.
Consumer complaint received 2018-03-27
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: MoneyLion Inc. (AZ)

On XX/XX/XXXX and XX/XX/XXXX someone made 2 hard inquiries with my info to MoneyLion. On XX/XX/XXXX a {$600.00} line of credit was issued to that person. I check my credit every week online and i promptly reported this with ML and the bureaus. As of today XX/XX/XXXX ML still had not reported the fraudulent account with the bureaus. I need both inquiries AND the fraudulent account to reflect my credit accurately. I spoke with XXXX  at ML and XXXX at XXXX  today and they may be working on it, but I have had an additional two months of inaccurate scoring and i am trying to get a HELOC and all this nonsense is holding us up. There is no reason this should still be ongoing. The glendale police has already provided affidavits, etc. It has already been proven as fraudulent yet my scores and reports are not corrected. Also, if an account is found to be fraudulent, why does the consumer have to babysit the INQUIRIES? It is obvious that if the account is fraudulent then the inquiries that got the account open are also fraudulent. I am not happy that the info given to ML was so inaccurate yet they approved the account. the person who used my SSN and name and address used a FAKE phone number, FAKE email, FAKE work name and FAKE work number. If ML had done due diligence to check these things then the fraudulent account could have been prevented. and i would not have to keep making sure it is correct.
Consumer complaint received 2022-08-19
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: PLANET HOME LENDING, LLC (NJ)

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX, XXXXbut I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXXXXXX Date Opened : XX/XX/2020 Balance : {$370000.00}
Consumer complaint received 2019-04-01
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. (OR)

I had an unauthorized hard inquiry on my credit report with XXXX. I contacted them and are investigating. Someone opened an account with my name. I did not. It was an inquiry for credit dated between XX/XX/2019 and XX/XX/2019.
Consumer complaint received 2019-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (OK)

This is still regarding the previous case with Wells Fargo Bank with CASE # XXXX. 
They called and promised they will correct the wrong information placed on my XXXX  credit profile, and correct the late payments, and the " paid, closed, {$1800.00} written off " placed on my credit Profile. Since this was not part of the loan, but erroneous insurance charges of {$1100.00} that caused the problems and overcharges by them, as a way of delaying the loan. 
I have all the insurance at that time and provided to them, while they promised to resolved it and credit me. They are supposed to refund my credit as they promised earlier, but they refused crediting me, and insisted they will correct their mistake on the credit report placed on my account but will not pay credit me.I refused to accept their offer. I have not heard from them since XX/XX/XXXX, 2019. my credit profile has not been corrected, my credit for insurance has not been paid. I need this issue resolved or will file for damages against them. 
This was fully paid with XXXX balance.Needing my credit from them.