davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-26
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. (TN)

My student loan was transferred over to the student loan servicer Aidvantage. My first payment was due in mid XX/XX/XXXX. I entered my banking information, assured all information was corrected, and submitted my first payment which was accepted using that banking information. I then set up an auto-payment to reoccur monthly. The follow month in XX/XX/XXXX I logged onto my account to check and found that I had a past-due payment as the auto-pay that I had set up ( and received a confirmation email for ) had not gone through. I made the payment and again re-set up the auto pay, I received another email confirmation. I contacted Aidvantage via email to assure I was set up correctly for the auto-pay, I never received any response or acknowledgement of my contact attempt. In early XX/XX/XXXX I again found that my auto-pay did not go through, despite having entered my bank account information once again, verifying all information was correct, and calling to assure that the Aidvantage representative also saw that my banking information was entered and to verify that the payment was marked as having gone through. I have logged on and once again see that my payment has been " reversed '' and I am marked as past due as my auto-pay failed to go through once again. I have called my bank and triple checked that all information is correct, there were sufficient funds in my bank every time. I have made four attempts to contact Aidvantage with the contact information on their website and I have never received any response or acknowledgement via email. I receive minimal information or assistance over the phone. I was concerned that I had maybe fallen for a scam and had signed up to a website pretending to be Aidvantage at this point, but unfortunately I have the website correct and Aidvantage is simply operating negligently and negatively impacting my credit scores despite my desperate attempts to actually make my payment and contact them. Most recently I have attempted to contact them via telephone today and there is an automated message stating there Are no AidVantage resources available, please call back later and the call is terminated.
Consumer complaint received 2022-07-19
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: Experian Information Solutions Inc. (CA)

In previous months, I requested the removal of inaccurate information. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please delete the following items, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the items listed below : XXXXXXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/2017 Reference # : XXXXXXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/2017 Reference # : XXXX
Consumer complaint received 2023-03-30
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. (NJ)

XXXX XXXX XXXX  is reporting inaccurately and XXXX XXXX XXXX a debt on my account for a collection that is inaccurate. It also has incorrect information reporting. The amount is {$350.00} and {$700.00}. In accordance with the Fair Credit Reporting act XXXX Account # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2021-04-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Halsted Financial Services, LLC. (GA)

On XX/XX/2021 I, consumer XXXX XXXX received a letter dated XX/XX/2021 from Halsted Financial Services attempting to collect an alleged debt. I did not request for them to send me any mail to my home or place of work. I am highly concerned about the safety and integrity of my privacy and I am disputing this alleged debt from the mentioned debt collector in pursuant to 15 USC 1692g. I strongly believe Halsted Financial Services is in violation of several federal laws including but not limited to 15 USC 6801.  They did not have my permission to have any access to my personal information and the access they have does not bring any value to me as consumer. I have material evidence that shows where they violated the federal law and used misleading tactics to attempt to deceive me into paying this alleged debt. The communication I received from Halsted Financial Services violates 15 USC 1692c and is highly inconvenient to my peace of mind and privacy to my abode and place work. Halsted Financial Services also violated 15 USC 1692b ( 2 ) stating to me the consumer by mail that they are attempting to collect debt several times in the postcard. The postcard that was sent to my address by Halsted Financial Services was also in violation of 15 USC 1692b ( 4 ). Halsted Financial Services used a branded logo on the postcard that was sent in the mail to my address that indicated they were in fact in the debt collection business which violates 15 USC 1692b ( 5 ). The language that was used in the postcard sent from Halsted Financial Services was obscene and profane and did not bring any value to me the consumer, and the language used in the contents threatens to harm my reputation which violates 15 USC 1692 ( d ) ( 1 ) and 15 USC 1692d ( 2 ). Halsted Financial Services posted discounted advertisements in the contents of the postcard to coerce me into paying the alleged debt which violates 15 USC 1692d ( 4 ). Halsted Financial Services showed a positive balance in the contents of the postcard that was allegedly owed on. I am not sure how or why anyone would pay on a positive balance. Therefore the debt collector is in violation of 15 USC 1692e ( a ) and 15 USC 1692e ( 10 ). In the contents of the postcard, there were several mentions of other persons named as the debt collector as well as Halsted Financial Services. They are violating 15 USC 1692e ( 14 ) and 15 USC 1692f ( 8 ) with these actions. The fact this deceitful postcard was made by Halsted Financial Services and sent to my abode and place of work violates 15 USC 1692j. It is fact that Halsted Financial Services violated several federal laws against me the consumer and it is fact that Halsted Financial Services has a civil liability under 15 USC 1692k ( 1 ) ( a ) to provide a remedy for the damages and inconveniences they have caused me.
Consumer complaint received 2022-07-19
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: EQUIFAX, INC. (SC)

I called the 3 Credit Bureaus after I purchased a credit report with XXXX  on XX/XX/22. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were erroneous items on my credit report which are misleading to me. I sent a letter to the XXXX credit bureaus on XX/XX/22. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, XXXX and hoping that these inaccurate items will be fixed.
Consumer complaint received 2021-04-07
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

On XX/XX/2021 I applied for a Neiman Marcus credit card by capital one back application ID # XXXX a 2 weeks later I received there response which was ambiguous and is in violation of the FCRA which states any time a consumer is denied the company must give or point out reasons to which why credit was denied. My credit score is XXXX and I did not have then or now any derogatory information are charge-offs on my credit report when I applied for this account. I've called this company several times trying to get a reasoning to why I was not approved, was told by Neiman Marcus new account manager XXXX # XXXX it was due to credit reason off your report, that was all she can say. First of all I believe that this company has deliberately and maliciously discriminated against me because I am XXXX and XXXX, and based on my credit worthiness there's no reason way I was denied, they couldn't even give me the reason why I was denied
Consumer complaint received 2022-07-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I called the 3 Credit Bureaus after I purchased a credit report with XXXX  on XX/XX/22. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were erroneous items on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/22. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, XXXX and hoping that these inaccurate items will be fixed.
Consumer complaint received 2021-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One reported " XXXX  day late '' payments for XXXX XXXX but they were the wrong amount due to a simple error. Automatic payments were set-up by me for a fixed amount XXXX $ XXXX XXXX instead of the minimum payment due ( {$65.00}. ) I did this to avoid EVER being late on a payment. As my balance increased, the fixed amount became too little. Because of my error, my payment wasn't enough to cover the minimum payment but I NEVER missed a payment and was NEVER late with the payments that I made on my account. Capital One never notified me of this deficiency in my automatic payments which would have been easy to fix had I known at the time. They never advised me that the payments I was making would show as late on my credit report. Instead of calling me or sending a letter, they were more than happy to continue adding a {$35.00} late charge every month, making my balance climb even more. Every other payment that Ive ever made to Capital One and all my creditors has been timely because this is very important to me. This was almost XXXX years ago and they refuse to remove the " late '' payments WHICH WERE NEVER LATE off of my credit report. I continue to suffer paying higher interest rates for credit because of this misunderstanding.
Consumer complaint received 2022-08-24
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. (FL)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2021-04-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Global Lending Services LLC (FL)

I purchased a vehicle in XX/XX/XXXX I made first payment in XXXX Im trying to refinance as it it showing I still own the full amount of the loan. I called the lien holder who told me that in order for just 14 % which is the interest applied to the interest I would have to call each time and give verbal consent and will only be done that way as long as I request that or they will apply as much as they want to interest and anything left over to principal the lien holder never advised me I had to do that and I believe purposely kept that information from me in a predatory fashion Effective Date XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Principal Balance {$32000.00} {$32000.00} {$32000.00} {$32000.00} {$32000.00} Payment Amount {$32000.00} ( {$680.00} ) ( {$680.00} ) ( {$680.00} ) ( {$680.00} ) Principal Adjustment {$32000.00} {$0.00} ( {$270.00} ) ( {$150.00} ) ( {$360.00} ) Interest Adjustment {$0.00} ( {$680.00} ) ( {$410.00} ) ( {$520.00} ) ( {$320.00} ) Interest Balance {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} Interest Calculated {$0.00} {$680.00} {$410.00} {$520.00} {$320.00}
Consumer complaint received 2022-07-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

I was scammed using XXXX, which is associated with my bank account. Through XXXX XXXX, I was attempting to sell an item and the person impersonating a buyer was able to scam me into believing that I needed to send him money in order to activate my XXXX business account. I had sent over money to that email that was impersonating a XXXX  customer support person.
Consumer complaint received 2023-03-30
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. (TX)

In 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 instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2022-07-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In previous months, I requested the removal of inaccurate information. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please delete the following items, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the items listed below : XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/2017 Reference # : XXXX, XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/2017 Reference # : XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX  XXXX
Consumer complaint received 2022-01-18
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (MI)

My card was stolen on XXXX XXXX weekend, from my vehicle. Approx. XX/XX/XXXX. I did not realize my card was missing until I logged onto the American Express Serve card app. There were 14 charges, 11 at 5 different gas stations. XX/XX/XXXX, I immediately called American Express Serve to notify them. They filed a dispute. 
I followed up with a police report & submitted my supporting paperwork. I called customer service to inform them I needed my full card number so the police could execute a warrant for the businesses that my card was used at, I was told they have no access to my full card number. I was told I would be contacted within 10 business day with a decision. Today, I was sent an email saying they were denying my dispute. I only get my payroll check direct deposited on this card. I then take my money off the card. I do not use this card to make frequent purchases. American Express Serve allowed a their yo use my card multiple times at gas stations and other locations. The 11 gas station charges were suspicious and should not have even been allowed to be charged. I am very unhappy with this prepaid company.
Consumer complaint received 2022-08-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

Hello my complaint is related to escrow account where i should maintain enough money set aside so that Shellpoint is able to pay my property taxes and home owners insurance.My property taxes are {$6700.00} for XXXX XXXX XXXX. My home owners insurance is {$620.00} the combined total amount for taxes and for home owners insurance is {$7300.00} for an entire year. I have addressed the following with Shellpoint in the past. In my escrow account as of XX/XX/XXXX i have a total amount of $ XXXXas of today XX/XX/XXXX i should have approximately XXXX in my escrow account that is calculated because i have sent my XXXX mortgage payment. In this way i am sure i have {$15000.00}. I have in the past asked Shellpoint to make adjustments and to refund to me any surplus money but Shellpoint does not want to comply.There is regulation and guidance on how much a mortgage company should reserve for the escrow account. there is a chart that a mortgage company should reserve. In my situation they have failed me. I have waited XXXX XXXX XX/XX/XXXX and XX/XX/XXXX. That is when shellpoint concludes annual audit of my account with Shellpoint. I have waited patiently in hopes that Shellpoint would send me surplus money.
Consumer complaint received 2022-07-19
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. (MD)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$6300.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} US DEPT ED XXXX Balance Owed XXXX {$0.00} US DEPT ED XXXX Balance Owed : {$5100.00}
Consumer complaint received 2022-01-18
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)

Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information. I m disappointed! I dont know how to delete it from my name
Consumer complaint received 2024-01-26
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (NY)

XX/XX/XXXX I had a dental apt . for XXXX XXXX, I had informed them that XXXX XXXX would pay {$1000.00}. Upon reaching the Office, I reminded them again, upon seeing the dentist, I told him of the price, he laugh. after the exam, he put a hand on mine saying, you will have Cancer, if you don't change the metallic one in your mouth. with much convivences, I agreed, the prices and products were shown to me, from {$3700.00} - $ XXXXup. I choose {$3700.00}. I started calling my Bank for a Loan, but with his hand on mine he said their Interest will be high. And I have a Credit Card Co. that will charge much less. so they got the forms and I filled them out, and left with the papers, I received a call on their phone, confirming my information. XX/XX/XXXX I got the EOB from my Ins. it said i had gone on XX/XX/XXXX and XX/XX/XXXX. Making it {$3000.00}. 
I called the dentist and informed that he lied and I am canceliering the order, XX/XX/XXXX? XXXX, I requested a Dispute, XXXX XXXX 1st Bill came, I informed Synchrony Bk & CareCredit, that they are demanding their {$3700.00}. I said its a Scamming system, I did not get the item, they call & leave messages 38 times and about 20 on my cell, day and night. I spoke with a friend who said he had done it to her and she had to pay the {$4000.00}.
Consumer complaint received 2024-01-26
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY (IA)

XX/XX/2023 I disputed account through CFPB Complaint # XXXX - XXXX asking to verify or delete this debt that is stating negative on Credit report as I do not recall having. Company responded on XX/XX/2023 with a letter that says that information provided does not match or corresponds with their records. Now, it's asking for personal info. If account is mine company should not need to ask for my personal info as they should already have it. Letter received does not verify debt for that reason I ask that account gets deleted now. I have attached copy of current credit report and response letter that was sent by creditor to further assist along with CFPB complaint #. Email or mail are the best ways to get a hold of me unfortunately.
Consumer complaint received 2022-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Convergent Resources, Inc. (PA)

Convergent Outsourcing erroneously put a debt on my credit report that had been settled two years earlier with another company. 

I have no business with Convergent. How can a company simply put something on a credit report that is not accurate?
Consumer complaint received 2022-07-19
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. (SC)

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 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 ). Please remove these files. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$120.00} ; EXPERIAN XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX