davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (CA)

For 2 payments Aidvantage has not applied the correct amount taken from my bank to the loan. I have asked for this to be fixed over 6 weeks ago on XX/XX/XXXX. I had to call 3 times before someone actually helped me with it, the first two people that I spoke with hung up on me after learning what the problem is. Finally, I got through and submitted my bank statement for them as requested as proof that they took the extra amount from my bank. They told me it will take 4-6 weeks to fix. Now, we are outside of that time and not only is the issue not resolved, but it has actually gotten worse because they implemented a payment reversal on one of the payments ( more detailed info below ). I tried calling again today to get the problem resolved and I was once again hung up on once the representative realized what the problem was. I have also been requesting this all to be in writing or done through email throughout but they are refusing. 

Payment 1 : XX/XX/XXXX - {$200.00} was taken from my bank account but only {$100.00} was credited to the loan. Later, after I spoke with them on the phone about the problem, a payment reversal was done on my account that removed the {$100.00} that they had credited on the loan. So now the full {$200.00} that was taken from my bank account has not been applied to the loan. 
Payment 2 : XX/XX/XXXX - {$100.00} was taken from my bank account but only {$75.00} was credited to the loan. No payment reversal on this one.
Consumer complaint received 2023-07-30
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. (SC)

Accounts associated with these name ID # XXXX, XXXX, XXXX, XXXX Address ID # XXXX, XXXX Accounts associated with XXXX XXXX XXXX, Credit Service Collection-I never opened an account with them. I don't know who they are. 
Some of my accounts are over 5 years old. 
XXXX XXXX, XXXX, and XXXX credit cards are inaccurate.
Consumer complaint received 2022-08-27
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. (AR)

I have sent a formal complaint to the reporting agency because inaccurate information, incomplete information and unverifiable information is being reported on my credit report. This has caused great stress in my life because of this problem with the agency reporting this inaccurate, incomplete and unverifiable information. 

The first time I received a letter from the agency stating that they want to make sure that I am the person who is disputing and filing a complaint. I sent in verifiable identification documents and then I received a letter stating that the information was verified but they showed no proof, nor did they disclose any procedures that were done to prove that this information was verified and accurate as they have been reporting. As a consumer I requested the steps that the agency took to insure that these items were 100 % accurate under 15u.s.c.1681 ( i ( 7 ) Method of verification. Description of reinvestigation procedures.
Consumer complaint received 2020-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Hello, I have reached out to you guys about some items on my credit that is not mine. There are still a whole lot of inquiries on my report that I don't know anything about and they still showing up and I have not touched my credit. Please remove these inquiries so I can move on with my life and help my family. I have contacted the FTC and the local police. XXXX XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX  | XX/XX/XXXX, XXXX  | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report. Thank you. 
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 XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I cancelled an auto charge from a separate company to my credit card through Capital One, which at the time had a XXXX balance, in XXXX XXXX, but it hit my credit card account anyway in XX/XX/XXXX. I left for XXXX XXXX bootcamp and was gone for training throughout the delinquency reported on my credit reports, so no way to access the information or resolve. I found the charge and called the company to request assistance resolving the issue ; was told there was nothing they could do. They aren't giving me a chance to even try to resolve this issue though I had no way to do anything previously due to military orders. I'm requesting the adverse information reported be removed and my excellent credit score restored.
Consumer complaint received 2023-07-19
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

I has come to my attention that my account ending in XXXX was assessed a monthly maintenance fee of {$14.00} and taken from my account without my written permission XX/XX/23 and XX/XX/23. I have spoken to a representative over the phone and a representative in the mediation process for a different situation and have received no assistance in removing the monthly maintenance fees.
Consumer complaint received 2019-05-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TCF NATIONAL BANK (IL)

My name is XXXX XXXX. During the year XX/XX/XXXX, an account was opened with TCF bank in Florida reported with my social security number under the name XXXX XXXX from address XXXX XXXX XXXX XXXX, XXXX, FL XXXX. The account eventually became overdrawn and was subsequently sent to a collection agency XXXX XXXX. In XX/XX/XXXX, I, XXXX XXXX, opened an account with TCF bank in XXXX Wisconsin from XXXX XXXX XXXX XXXX, XXXX, WI XXXX. The negative account balance from the previously opened account was transferred to my new account and subsequently went into collections. In XX/XX/XXXX, a payment was made by my bankruptcy trustee to TCF bank   for the account opened in Florida which was previously being reported. That payment closed the account, however because the balance was transferred, it appeared as two separate accounts to the collection agency. In essence, the collection bureau, XXXX is double reporting the TCF accounts, adversely affecting my quality of life. When I called to get the information, the representative refused to listen and insisted that because it has a separate account number, it must be a different account. Nonetheless, I dont have a debt with TCF and currently have an open account with them. TCF has updated their accounting, however, XXXX refuses to comply with the FDCPA and consumer protection laws and have not verified the debts they are reporting. This account is paid in full, and it was not even mine in the first place.
Consumer complaint received 2022-08-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (AZ)

I filed XXXX  XXXX XXXX in 2014, included XXXX XXXX student loans ( Notice to Creditors Certification attached ). I requested an Adversary Proceeding due to student loans causing undue hardship. XXXX XXXX was properly notified, means test was performed and Federal Trustee and Judge approved student loans to be discharged ( Final Trustee Report attached. ) I have been trying to get XXXX XXXX, XXXX and now Aidvantage to recognize a FEDERAL COURT ORDER and discharge these loans and remove all negative history from credit reports. I have never been able to buy a home for my family and have suffered tremendously from their inaction.
Consumer complaint received 2021-04-13
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: TRUIST FINANCIAL CORPORATION (TN)

.on XX/XX/XXXX a check in the amount of XXXX had a stop payment put on it and it never got deposited into my checking account. I closed my account with Trust Bank / suntust bank shortly after this. My stimulus check cane in about this time and Turst bank decided to reopen my account and steal my money said I owed for a check that never was deposited, I feel this was a computer glitch because every thing was done electronically, but Trust bank doesnt want to acknowledge this fact so they can keep my money. There was supposed to be a 30 day hold and they stole it immediately. I have the stop payment receipt and screen shots of my account to proof this complaint, this bank is bad about reopening peoples accounts when they close them to seek as much fees and funding as they can. This is a very criminal and unscrupulous act.
Consumer complaint received 2018-08-30
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: Consumer Portfolio Services, Inc. (TN)

Wednesday night XX/XX/18, I got an alert from XXXX XXXX saying that I had a new credit inquiry from Consumer Portfolio Services. I knew right away that I did not apply for credit or authorize that inquiry. I then submitted a dispute on XXXX, which is the bureau this inquiry appeared on.
Consumer complaint received 2019-05-31
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. (AZ)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX  XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ;
Consumer complaint received 2022-08-27
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. (SC)

XXXX XXXX is continuing to report a past due amount on my credit report when this account shows as having been sold to a collection agency. I have challenged this previously and has come back verified both with Experian and XXXX. How can this have been investigated and yet still showing a past due amount when the account was purportedly sold to a collection company/agency
Consumer complaint received 2021-04-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY (NJ)

XXXX : I informed TD Bank in writing that they should close my ( business ) account and I would be initiating a transfer of all of my cash out within the next week ... ... XXXX : Transferred all cash from TD Bank to an external account|Account balance : {$0.00} ... ... XXXX : TD Bank processed and rejected a bill-pay charge for the amount of XXXX as the account balance was XXXX XXXXTD Bank added two charges to the account., a {$35.00} overdraft fee to the account due to the above payment rejection. a {$20.00} maintenance fee.|Account balance : - {$55.00} ... ... XXXX : TD Bank processed and rejected the same charge ( XXXX ) ... ... XXXX : TD Bank added earned interest ( XXXX XXXX ) to the account.|Account balance : - {$49.00} ... ... XXXX : TD Bank processed nd rejected the same charge ( XXXX ) and added an additional {$35.00} overdraft fee.|Account balance : - {$84.00} ... ... XXXX : TD Bank processed and rejected the same charge ( XXXX XXXX and added an additional {$35.00} overdraft fee.|Account balance : - {$110.00} ... ... XXXX : TD Bank adds {$15.00} maintenance fee.|Account balance : - {$130.00} XXXX XXXX XXXX : XXXX Bank adds {$15.00} maintenance fee.|Account balance : - {$140.00} ... ... XXXX XXXX TD Bank submits {$140.00} bill to collections, closes account.
Consumer complaint received 2021-04-13
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 (FL)

I have filed a complaint a few times through the three major credit bureau and the creditor does not show proof of the account not being paid in full. It also shows that they closed the account and had to write off {$40.00}. However, I closed the account while it was in good standing. This card was a secured account secured against my money.
Consumer complaint received 2019-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX,
Consumer complaint received 2023-07-26
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. (NY)

Hello, my name is XXXX XXXX XXXX, and I am forwarding this correspondence as an urgent request for you to delete the following information in my credit file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charges. I ask that the items be deleted in order to correct and update my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. I Authorize all authorities to check my credit report to remove all Fraudulent Accounts And Inquiries. I am a victim of identity theft so I ask that you complete this with urgency. I am a victim of identity theft!! Please delete these items as soon as possible! PLEASE HELP ME THIS IS AN ONGOING ISSUE AND YOU GUYS ARE MY LAST LINE OF DEFENSE. I am a victim of identity theft!! Please delete these items as soon as possible FROM ALL CREDIT BUREAUS!
Consumer complaint received 2021-03-08
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. (GA)

Experian continues to inaccurately report two charged off accounts on my credit file. The two accounts in question are XXXX/XXXX and XXXX  XXXX/XXXX. Both accounts have been paid/settled in full and the credit bureau continues to report the accounts have not been paid. I have disputed both accounts on multiple occasions. Every time I dispute these accounts the credit bureau states they completed an investigation, but the accounts continue to report inaccurate information. Each time they " update '' something from the disputes ; something more inaccurate than what was previously reporting appears. Per the FCRA this should have been corrected within 30 days of the first dispute, but this is not the case. Please see the disputed dates below : XXXX/XXXX XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX/XXXX  XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX With the last dispute, I provided letters from the collection companies that show the accounts have been settled in full ( see attached ). However, neither accounts ' payment status reflects this. Both accounts appear as though they are charged off and make no mention of the account balances being paid. 

The inaccurate reporting of these accounts is causing me great financial harm. I am unable to attain credit with a reasonable interest rate. In addition, this is preventing me from being able to take out a parent loan for my son to attend college in the fall and it is contributing to the prevention of me being able to get approved for a home loan. 

Something needs to be done to hold the bureaus accountable when they continuously report misinformation despite multiple disputes.
Consumer complaint received 2019-01-08
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

Select Portfolio requested proof of the XXXX statement that shows my loan was never modified and the detailed history. 

XXXX has not complied with the terms of the DODD Frank 's Act to allow for consumers to convert subprime mortgages under the HARP program to a fix rate mortgage. XXXX sold my mortgage to Select Portfolio on XXXX XX/XX/XXXX. 
XXXX is actually still the lender and they denied my request to a loan modification in XX/XX/XXXX. The mandate period expired on XX/XX/XXXX. XXXX was sued for mortgage fraud in XXXX and XXXX. 

I never agreed to a subprime mortgage. I want this issue resolved asap. 

Request the FBI, CFPB, SEC, FTC mortgage fraud investigators investigate this matter and add ke to the class action lawsuit against select portfolio. XXXX refuses to resolve this matter and intentionally uses Select Portfolio to avoid penalties and accountability for this mortgage fraud.
Consumer complaint received 2023-07-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

FDIC Ref. No. : XXXX Two months ago, I was opening new disputes, and my checking account was good to use. But Two weeks or, my checking account was restricted due to my unusual activities. At the same time, i received one letter from capital one, and it said they wan na end relationship with me. I tried to ask capital one why my account was restricted and why they wan na end relationship. They said I have mutiple unusual activities. I didn't know why they did it, and they didn't tell me more. I tried to call them mutiple times, and i wan na get my money back. They said once my claim was closed, they would send me close-out check. Why? I couldn't wait. That's my family 's money, and i need it today or right now. Why can't i get it back. That's ridiculous, and what capital one did made me disappointed and angry. No matter what, i wan na get them back. That's why i am here to complain the capital one. 

Not just that, one supervisor of protection resolution team talked to me, i tried to need help from him, but he hung up without listening to my help suddenly.
Consumer complaint received 2022-08-27
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: U.S. BANCORP (NY)

THIS IS PERTAINING TO A PREVIOUS COMPLAINT # XXXX I HAVE DISPUTED THE INFORMATION THAT IS BEING FALSELY REPORTED ON MY CREDIT REPORT. THIS WAS PREVIOUSLY DISPUTED AND THE COMPANY RESPONDED THAT THEY FOUND AN INQUIRY BY ME FOR A BUSINESS CARD. I INFORMED THEM THAT THIS WAS NOT MY INQUIRY AND TO SHOW VERIFICATION OF THE INQUIRY BEING MADE BY ME. THEY GAVE ME NO PROOF OR VERIFICATION OR ANY INFORMATION ON HOW THEY CAME UP WITH PROOF THAT THIS WAS MINE. I HAVE NO KNOWLEDGE OF ANY BUSINESS ACCOUNT AS THEY STATED I WOULD LIKE FOR THIS TO BE REMOVED FROM MY REPORT. I WOULD LIKE FOR THEM TO SHOW ME PROOF THAT THIS INQUIRY BELONGED TO ME. 

INQUIRY US BANK XX/XX/22