davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-18
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. (NY)

I reached out to Aidvantage to see if I qualified for any loan forgiveness program. Instead they changed my monthly payments to 4x what I was paying and I was never in deference due to Covid. They have now frozen my account so I cant resume my monthly payments. I want to pay 350-400 month. I was paying XXXX monthly for years without missing payments. Theyve changed my payment structure 4x already and every time I call customer service they quote me one monthly amount then change it to something 2-3x more than my original payment plan that they moved me off of without my consent. The promise for loan forgiveness is deceptive in that they try to make you change your payments and use forgiveness as a lure.
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: EQUIFAX, INC. (FL)

I have two student loan accounts ( US DEPT. OF EDUCATION/XXXX  ) reporting on my credit file incorrectly. These accounts are not mine and I asked the credit bureaus to validate or remove them. They said the debts were verified and indeed belong to me. 

Either the same account is reported twice on my credit file which is a violation of the FCA or This account is a result of Identity theft. I have filed a report with the FTC and attached it to this complaint. 

I am curious to see how this account was verified. I would like the credit bureaus to send me the method of verification and any information received from the furnisher so I can add it to the file with the FTC so we can properly solved this issue. 

Also you seems to have received new information can you please provide that to me? 

Attached I have all the documents attached.
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)

I have two student loan accounts ( US DEPT. OF EDUCATION/XXXX  ) reporting on my credit file incorrectly. These accounts are not mine and I asked the credit bureaus to validate or remove them. They said the debts were verified and indeed belong to me. 

Either the same account is reported twice on my credit file which is a violation of the FCA or This account is a result of Identity theft. I have filed a report with the FTC and attached it to this complaint. 

I am curious to see how this account was verified. I would like the credit bureaus to send me the method of verification and any information received from the furnisher so I can add it to the file with the FTC so we can properly solved this issue. 

Also you seems to have received new information can you please provide that to me? 

Attached I have all the documents attached.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (IN)

I contacted the company to get my XXXX report but due to me having a new last name they haven't updated it at all, I explained to them that I sent in my information but it wasn't updated at all. I can't apply toanything due to this because they have no record of me.
Consumer complaint received 2023-01-26
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (FL)

On XXXX XXXX, XXXX I received a letter from Hunter Warfield claiming that I owed a lease payment from XXXX XXXX XXXX XXXX for a total amount of {$1100.00}. With a principal of {$940.00} and interest of {$210.00} from the year of XXXX when I was residing in XXXX XXXX XXXX. Stating on the letter, if the debt is not paid they will file a lawsuit against me. The principal balance of {$940.00} which is also higher than my original lease amount. Furthermore, all lease payments were made, I have copies from XXXX of the certified checks, and the statements of my bank account showing the withdrawal amount, as well as the emails confirming payment from mresmgmt.com as will be provided in my supporting documents. I have performed my due diligence and looked up Hunter Warfield on the XXXX it's noted that this business has very shady business practices, with a 1 Star Rating on XXXX reaching XXXX complaints about this very business model. Let it not go unnoticed, this might also be in collaboration with XXXX XXXX XXXX XXXX. 

Hunter Warfield does not also provide information on how to dispute this claim, but merely state if I pay now, they will give me 50 % off my total bill. I intend to write Hunter Warfield directly as well as present this claim to the Judge Advocate General Officer, XXXX and FCRA. 

As a servicemember, I would like to also recommend an investigation into this companies business practices to wit seem fraudulent. They have also violated Florida and Federal Law, not stating action of which I should take if I believe I do not owe money, stating if the debt is not paid a lawsuit will be filed against me, and demanding amounts that are not contractually legal.

In the attached documents you will find checking history for the last two months of residency, along with the certified checks, a copy of the ORIGINAL lease, and a copy of the Notice of Intent to Vacate, including date matching with the pro-rated monthly lease payment. Lastly, the letter from Hunter Warfield and associates.
Consumer complaint received 2022-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FIFTH THIRD FINANCIAL CORPORATION (SC)

On XX/XX/2022, I initiated a balance transfer request online on Fifth Third Banks ( my creditor for a credit card ) website for my XXXX XXXX ending in XXXX in the amount of {$1400.00}. Fifth Third Banks online balance transfer system automatically generates the balance transfer Creditors address. A few weeks after the balance transfer request, I noticed that payment had not posted to my XXXX XXXX. I contacted Fifth third and it was determined that the payment was sent to the wrong creditor. My XXXX XXXX was issued by and is serviced by XXXXXXXX XXXX XXXX. Fifth Third Bank mailed the balance transfer payment to XXXXXXXX XXXX. I have attached a copy of the check that was cashed by XXXX Bank on XX/XX/2022. 

Since contacting Fifth Third Bank by phone, I have been contacted by a representative named XXXX at number XXXX. XXXX prepared a letter on my behalf and faxed it to XXXXXXXX XXXX requesting that the funds in the amount of {$1400.00} be returned to Fifth Third Bank. She said in turn Fifth Third Bank would credit my credit card account ending in XXXX the {$1400.00}. XXXX has been persistently providing weekly status updates, however as of the date of this correspondence, XXXX days after the balance transfer request was initiated this issue remains unresolved. XXXX said she can not process a refund to my account because she can not verify that it was a bank error. This is clearly a Fifth Third Bank bank error. I did not input the wrong Creditor or wrong Creditors address into the balance transfer system, it was generated incorrectly by Fifth Third Banks online balance transfer system.
Consumer complaint received 2022-08-18
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. (NY)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX and TransUnion credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) ( 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 XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$41000.00}.
Consumer complaint received 2022-08-18
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, DEPT OF ED/XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00}, DEPT OF ED/XXXX  XXXX Date opened XX/XX/XXXX Balance {$2800.00}, DEPT OF ED/XXXX  XXXX Date opened XX/XX/XXXX Balance {$2300.00}, DEPT OF ED/XXXX  XXXX Date opened XX/XX/XXXX Balance {$240.00}, DEPT OF ED/XXXX  XXXX Date opened XX/XX/XXXX Balance {$460.00}, DEPT OF ED/XXXX  XXXX Date opened XX/XX/XXXX Balance {$4600.00}, DEPT OF ED/XXXX  XXXX Date opened XX/XX/XXXX Balance {$2800.00}, and DEPT OF ED/XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00}.
Consumer complaint received 2023-01-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (FL)

I accepted XXXX months of XXXX  due to damages sustained during XXXX XXXX. I resumed payments after the forbearance period and they are now reporting me late on the credit bureaus which has resulted in denial of a XXXX XXXX and closure of some of my credit accounts. This has had severe financial harm to my situation. Please help.
Consumer complaint received 2023-07-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (MD)

This is my 4th and final attempt to resolve this matter amicably. National Credit system continues to violate my rights and I have suffered financial and emotional distress for over a year as a result of this account. I have no balance owed to the original creditor or to the national credit system company that has been assigned this alleged delinquent account for further collection actions. To confirm that I do not owe any balance I have an email from the Land Lords assistant property manager of the apartment community stating that there is no balance owed. The property manager is CC on the email as well. National Credit system is aware of this because I have sent all correspondence to them via certified mail # XXXX that was delivered and recieved. 
I have sent a request to validate this debt, I have sent a Cease and Desist to stop collection activity and all forms of communication directly via phone calls and indirectly through all mediums of communication. In XXXXact reporting the unverified debt to Credit reporting agencies is a form of indirect communication of a debt further violating my rights by the reporting of this inaccurate account. I have also sent an affidavit declaring the facts of this situation via Certified mail.
Consumer complaint received 2019-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

HARD INQUIRIES THAT I DO NOT RECOGNIZE XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX   XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX, XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX  In Inquiry from XX/XX/XXXX 2019
Consumer complaint received 2022-08-18
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. (AL)

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 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/consent. 

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 2019-01-24
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. (NY)

XXXX XXXX transferred my account to XXXX XXXX XXXX without notifying me via email that a transfer would take place. Neither XXXX XXXX nor XXXX XXXX XXXX provided me written documentation of the transfer or new payment plan to my current address and thus I was marked late by 30 days of payment. I spoke with XXXX XXXX XXXX and they admitted that many other borrowers had this problem, but XXXX XXXX XXXX stated that they could do nothing to rectify the reporting of the late payment to the credit bureau. I paid off the account in full when I discovered the issue.
Consumer complaint received 2018-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have disputed the late payment status reported on the account XXXX XXXX   XXXX XXXX with XXXX and Transunion for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Consumer complaint received 2023-01-26
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)

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.
Consumer complaint received 2023-01-26
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. (TX)

XXXX accordance with the fair credit reporting act 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 an account without my written instruction.
Consumer complaint received 2022-08-18
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. (AL)

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 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/consent. 

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 2022-08-18
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

I have never had a USAA account in my life, nor have I applied for one. I heard that you can only have account if marriage and I'm not married. Nor have i lived at the address its stating XXXX XXXX XXXX XXXX, Ga XXXX Nor have I had the number XXXX nor have i had the email XXXX I'll like all these so called accounts removed from all Platforms that USAA reports too. Accounts numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX
Consumer complaint received 2022-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (WA)

Tried using a local ATM to make a cash deposit XXXX XXXXXXXX XXXX ATM number : XXXX ), but was unaware that you are not supposed to deposit across bank companies. The ATM went forward with the transaction and took {$480.00} in cash, then provided a receipt that states, transaction not allowed. It asked me to input the correct amount, which I did ( {$480.00} ). It then provided another receipt that states : deposit exception record. One or more deposit items were unable to be returned due to a technical problem. We apologize for the inconvenience.

I immediately went inside and spoke with a teller who told me they could not help because I was not a XXXX XXXX  customer and to call Chase ( my bank ). I then called Chase and was instructed to call XXXX XXXX. When I called XXXX XXXX  and spoke over the phone they informed me that Chase needed to start the dispute process so I could get my money back, that it was a Dispute Regulation E. When I tried Chase for the second time, I was told that because they can not see the transaction in another banks ATM, they have no way of helping me, despite me having both receipts and the ATM number.
Consumer complaint received 2021-11-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (IL)

I have purchased XXXX item from XXXX XXXX XXXX XXXX on XX/XX/2021 worth {$3000.00}. I have paid extra to deliver the parcel on time because receiver going to take this gift overseas. Somehow seller did not ship/deliver item on time and missed the deadline. So I have decided to cancel the order and told seller to reroute the parcel and cancelled the order. I told them they must reroute and make sure carrier do not deliver or leave it outside. It was unsafe and no one were going to at place to receive for next XXXX months. so I decided to canceled the order and reroute requested to the seller. I have emailed seller and got in writing from them. Rerouting was successfully done and buyer is not responsible for anything. I told them that can refund after receive the item. Somehow XXXX did not deliver and returned the parcel on base. they accidentally loss the parcel or gave it to someone else. I told seller to dispute with carrier and provide me information about who received the package. I have filed the dispute with my Goldman Sachs bank XXXX time but everytime they favor dispute on seller side. I asked them why and what proof they have provided. they said they received proof of purchase ( Invoice ). I told my bank that proof is not sufficient. They need to provide us proof from carrier whom they gave the parcel or how they lost it. Credit card company did not help and I am not able to talk over the phone. If I have cancelled the order and seller had rerouted the item. I am not responsible for any loss after it. I have emailed seller multiple times but they failed to reply me on time and credit card company was favoring seller on based on invoice. I told my credit card company that I have purchased but never received and cancelled the order. They should review the case properly.
Consumer complaint received 2022-08-18
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. (NY)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Experian and XXXX credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) ( 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 XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$41000.00}.
Consumer complaint received 2023-01-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Coinbase, Inc. (TX)

Coinbase debit card transaction got reversed on the XXXX of XXXX By the XXXX, my account was not credited the amount reversed and Coinbase XXXX every XXXX of my cases trying to get the XXXX money posted every single day since then. 

Today they revoked my premium phone support and stopped responding to emails. 

Card happen to be fdic insured and I'm sure they got that too and refusing to help. Went on reddit about this too and post is not appropriate to repost here in government site. 

Crypto is money nowadays and holding money for other folks makes you a bank unless you stop saving the money and make it disappear when customers wants it back names you a thief like XXXX and his cohorts with the XXXX art during the world war. 

Shame on you.