davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-19
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Friday, XX/XX/XXXX Phone call XXXX, TransUnion, Supervisor Current File File Number : XXXX Filed Dispute on 2 XXXX XXXX  Accounts Filed XX/XX/2020 Saturday, XX/XX/2020 *By Law 30 days without response from the creditor, I am protected by your organization and it needs to be removed. I spoke to XXXX and she agreed that 30 days was XXXX  on Friday night. I checked my report and no report. 

LAW No response at all. If it's been 30 days after you've sent in your dispute, the credit bureau is in hot water. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed. If they do not, they are in violation of the FCRA. This is good news for you, for you can pressure the credit bureau to remove the listing immediately.
Consumer complaint received 2017-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX is a collection company trying to collect a debt showing it was opened on XXXX/XXXX/2015. 
The information in the Equifax report contains wrong and false information. 
Attempts to correct/delete the subject account have been made but the Equifax web site does not allow me to dispute the entry.
Consumer complaint received 2017-04-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Nelnet, Inc. (FL)

I was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below : XXXX : 90 days past due XX/XX/XXXX, 120 days XX/XX/XXXX, 150 days XX/XX/XXXX XXXX : 90 days past due XX/XX/XXXX, 120 days XX/XX/XXXX, 150 days XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.
Consumer complaint received 2020-04-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MD)

Hi, I contacted you in XXXX about my student loans and now it seems like since I contacted you, my student loans balance has gone down somewhat, which further lets me know AES has been taking my money for over 10 years and not applying my payments to my loans. My name is XXXX and I consolidated my student loans with XXXX XXXX in XXXX and it appears my loan was sold to XXXX XXXX XXXX who changed their name to American Education Services. This company has had many complaints over the years and they are continuously taking advantage of customers. I cant even target my payments to specific loans. My original loan amounts are as follows : 1. Beginning balance XXXX} ( sub ) Current balance XXXX  2. Beginning balance {$1900.00} ( unsub ) Current balance $ XXXX} 3. Beginning balance {$XXXX ( sub ) Current balance {$12000.00} 4. Beginning balance {$14000.00} ( unsub ) Current balance {$11000.00} Totol due as of XX/XX/XXXX {$27000.00} I have been making payments towards my student loans since XX/XX/XXXX, over 10 years and I still owe {$27000.00}?? Something is wrong!!! Since XXXX, my payments were between $ XXXX {$200.00} and as of XXXX, my payments are {$380.00} a month. 
I have contacted AES on several occasions to have them explain to me why I still owe them so much money. Unfortunately, their response doesnt justify the money I have already paid over the years and the remaining balance. I have been trying to research who I can speak with to have my consolidated student loan researched for accuracy and not doctored up documents. 
Would you be able to assist me? 
Here is the contact information I have for AES : American Education Services XXXX. XXXX XXXX XXXX, PA XXXX XXXX American Education Services XXXX XXXX XXXX XXXX. 
XXXX, PA XXXX
Consumer complaint received 2022-01-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (GA)

Loan was paid of in XXXX, they called a year later saying we owed more. We made another payment in XX/XX/XXXX for what they said the remaining was. After that they said we would receive a refund of the overage because we didnt owe. I received a statement today showing a credit of {$7600.00} and a net due of - {$6600.00}. We have overpaid almost {$15000.00} to keep them from trashing our credit and to get them to release the title. Called again today and Wells Fargo said they would send to there payoff department again and needed at least 3 days to look at it.
Consumer complaint received 2018-05-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: John C. Heath, Attorney at Law, PLLC (NE)

I went into my bank to cash a check was notified that my checking account was negative. I asked for statements and a place called XXXX XXXX XXXX had debited my checking account twice without my knowledge. 
The debit card that they got information to somehow was wupposed to be closed a week or two prior by my bank. I found out this day that in fact the bank did not close my card and the company debited it and put my account in the negative. 
I have attempted to call the XXXXXXXX XXXX XXXX for refunds and they state their computers are always down. I even sent emails requesting them not to use my information as i am not sure how they got it.
Consumer complaint received 2022-11-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Comerica (KS)

My account at direct express was shut down on XXXX on XX/XX/2022. With no phone call I am on XXXX and i no money was put in to my account. I have called every day for weeks and they will not answer their phone or have they called me.
Consumer complaint received 2016-05-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Maury Cobb, Attorney at Law, LLC (CA)

THE EMAIL BELOW IS XXXX OF XXXX THAT I HAVE SENT TO THE PERSON THAT HELPED ME AT MAURY COBB AND ASSOCIATES , LLC ( XXXX XXXX XXXX XXXX , XXXX XXXX , AL XXXX - XXXX - HER NAME IS XXXX XXXX ) I HAVE SENT AN INCREDIBLE AMOUNT OF EMAILS AND TO THIS DAY, I HAVE GOTTEN NOTHING BUT THE RUN AROUND. THIS HAS ADVERSLY IMPACTED MY CREDIT AND THIS COMPNAY HAS TOTALLY MIS-REPRESENTED THEMSELVES. 

This email is in response to my verbal debt settlement agreement for a XXXX account made between us both on XXXX/XXXX/16. I appreciate that your company was willing to work with me in settling this debt showing up on my credit report. The sole purpose of my verbal agreement with you was to settle on an amount ( {$200.00} ) and get the listing removed from my credit report. I made sure to ask you several times if the letter that you would send me would state that the amount was settled, and most importantly, that the letter would be submitted to all XXXX credit bureaus asking them to remove it from my credit report. We spoke on Friday XXXX/XXXX/16, and you mentioned to me that the letter that I just described would be sent to me the following Monday XXXX/XXXX/16. I never received your promised letter. You had also confirmed to me that the account that still continues showing on the collections section of my credit report was to be removed within 10 calendar days from the receipt of payment on XXXX/XXXX/16. That has yet to happen. 

I am sending you this email now to once again request that you send me the promised letter before the end of this business week, and that you co-ordinate with the credit bureaus and eliminate all the negative markings related to this account. This is urgent for me since I am working on rebuilding my credit as quickly and effectively as possible. I am going through a divorce at the moment and trying to re-establish myself and my credit as a single mother so that I can qualify in short order to buy a home for my children and I. That is my personal motivation that is driving me to urgently get this account removed from my records. I need to bring up my credit score to qualify for the purchase of a home for my kids, and unfortunately, this was an account that my soon to be ex-husband had under my name that of course, he closed without paying. 

XXXX XXXX, you were very kind over the phone when we spoke and I am asking you once again to keep through on your word and speak to your managers to quickly send me the letter that I urgently need to show that this account will be removed from my credit report with all XXXX bureaus, and to also submit that letter and request to the XXXX credit agencies so this can be removed ASAP.
Consumer complaint received 2022-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (ME)

New complaint. Equifax refuses to remove the XXXXXXXX XXXX account. And also the XXXX - XXXX XXXX account from my credit report. They are both beyond the 7 years rule of removal.
Consumer complaint received 2022-05-05
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: USCB, Inc. (CA)

Good Afternoon my name is XXXX XXXX, Im a federally protected consumer, and Im saddened that I have to make this complaint against USCB AMERICA for committing identity theft. I have never given USCB AMERICA any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 

I have never received any type of documentation requesting validation from USCB AMERICA before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If USCB AMERICA can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 


I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until USCB AMERICA can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and USCB AMERICA continues its collection efforts, I will file for litigation for actual damages caused and USCB AMERICA will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2020-04-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (GA)

The CBE Group , Inc has sent several attempts to collect a debt and has violated my rights as a consumer under The Fair Debt Collections Practices Act. Letters dated XX/XX/XXXX and XX/XX/XXXX. Violations include 15USC 1692b ( 5 ) Acquisition of Location Information, 15 USC 1692d ( 2 ) Harassment and Abuse, 15 USC 1692f ( 1 ) Unfair Practices, 15 USC 1692g Validation of debts ( 1 ), ( 2 ), ( 3 ), ( 4 ), ( 5 ). This debt collector has used false, misleading and deceptive practices.
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I am filing this complaint because Equifax has ignored my request to provided me with the documents that their company has on file that was used to verify these accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you
Consumer complaint received 2017-04-10
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (NJ)

Hi, I 'll keep the story short. It has been quite a few years since XXXX of my XXXX private loans with AES went into default. At this point and over the last several year 's I have n't even been contacted by any agencies about these defaulted loans, so I have absolutely no idea where they stand. The reason I went into default was because I exhausted my deferment and forbearance options with AES ( www.aessuccess.org ). None of AES 's repayment options worked with my living situations at the time ( since my income was extremely low ), and they would never work with me to create any other alternatives to repay back the loans ( from approx XX/XX/XXXX-XX/XX/XXXX ). They never informed me of default risks or offered any preventative measures to stay out of default ( for example, that if I event sent {$5.00} a month it would keep me out of default ). I feel like the company did a poor job assisting me, and made the process of trying to stay afloat financially in XXXX hard, or trying to pay other bills and loans impossible. I 've always felt cheated by them, and stressed at the fact that they never helped or worked with me to avoid default. Till this day I wish they helped me lower my the payments. All their repayment options did n't take into consideration all of my other student loans, so none of them would have ever worked. They never took into account expenses and other bills either. I am currently paying all of my other current private and federal loans back without any issues. It 's just that these XXXX that went into default are partially to blame due to AES 's customer service reps that I used to get frustrated with since they were hard to reach and nothing close to a service in helping me pay back loans. They gave me no opportunities, hung up on me often ( between XX/XX/XXXX-XX/XX/XXXX ), and as I exhausted my forbearance/deferments with them they twisted my arm and said their will be repercussions ( default ) if I did n't make payments, yet they never explained or assisted me in any way to stay afloat. I feel really cheated by them and it has impacted me financially ( in the long run ), and my future aspirations in life. Everything about their customer service to repayment help options have not been helpful. I really wish their service team acted more like a service and assisted me in the process a bit better so I could have avoided default.
Consumer complaint received 2020-04-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Centron Services (MT)

On approximately XX/XX/XXXX I was served with a summons from XXXX XXXX XXXX on behalf of Centron Services XXXX DBA XXXX XXXX that was dated XX/XX/XXXX notifying me that I had some medical debt that was owed to XXXX.XXXX  from services that I received. I had received services at XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I had provided the hospital my insurance card and had not received a bill so I assumed the insurance had paid it. I was shocked when I received the summons as I had never been notified of the debt, nor had I received my rights to dispute or validate the debt owed. Upon trying to call Centron I  was told my response to the court was due XX/XX/XXXX. I told them that I had neither received notice via mail or by telephone letting me know the debt was outstanding. This is a violation of FDCPA and when I asked about making payment arrangements they refused to allow me to make payments and I " better figure out something within 2 days ''. I told the representative that I had been laid off due to Covid-19 and she became rude and told me I was " going to court '' and hung up on me. I do not feel their behavior was appropriate and threatening me and refusing to assist me or allow me to get assistance from the original creditor is against my rights. This has caused me great emotional stress. This has been a terrible experience and they should be ashamed of themselves for denying me my rights and threatening and hanging up on me. Further more, when pressed the agent was unable to give me a valid phone number ( the hospital has my current number ) and would also not verify the address they had on file for me. They have added court fees and interest to my bill which should be removed as I was never notified of the debt.
Consumer complaint received 2020-04-19
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. (GA)

My Ex Husband stole my information ... .he filed for these things and his credit reports are clean and all was reported to mine ... .these accounts are fraudulent ... I have never filed for bankruptcy or any of these other accounts listed on my credit reports ... .I filed a police report and and Identity Theft affidavit in which I submitted to all 3 bureaus and nothing has been done ... these accounts should have been blocked and or removed within 4 business days per section 605b of the FCRA.

The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together.

all documents are attached with dates ... .please advise!
Consumer complaint received 2018-05-28
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. (MA)

In XX/XX/XXXX, i received a copy of my credit report and I found several errors on my credit along with several inaccuracies which i've sent letters out asking them to be deleted/corrected/updated from my credit report. Until this date ( XX/XX/XXXX ), I'm actually surprised to find out that i've attempted to dispute several items with multiple inaccuracies with the 3 major credit bureaus ( XXXX, Equifax, and XXXX ), and they haven't resolved the issue or even replied to my request.
Consumer complaint received 2022-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (NJ)

They took the entire balance due from my bank account, even though I never authorized it. I have multiple emails, of my authorizing the minimum due on a certain date. And they went ahead and took ALL of the balance due, leaving me with a zero balance on my bank account. To say I'm XXXX XXXX is an understatement. The emails attached were me scheduling the {$100.00} payment for XX/XX/XXXX, which I set up on XX/XX/XXXX, which I then canceled, and set it to pay on the XXXX, as I wasn't sure if I'd have all the money on the XXXX. And on the XXXX they took the whole balance, without my approval.
Consumer complaint received 2020-04-19
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

On XX/XX/2020 experian Posted on cfpb complaint about XXXX XXXX  account that is wrongfully On my report it commenced a investigation Under the FRCA They only Have 30 Days To Complete There Investigation the Investigation Was not Completed Until XX/XX/2020 Well Over the thirty day mark.
Consumer complaint received 2023-04-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TMX Finance LLC (GA)

VIOLATIONS OF XXXX and XXXX and XXXX XXXX error resolution 1693d-Notice of transfers 1693 g ( a ) Action or failure to act 1693 ( a ) ( c ) Intent 1691i- When a person can issue a of means of access 15 USC 1691- issuance of means of access EFTA Violations Section 205 Unsolicited EFT and issuance of devices 205.5 Terms allowed to issue EFT device 205.7 Disclosure requirements 205.8 Change in terms disclosures increasing consumer liability 205.9 Periodic Statements UDAAP- Unfair and deceptive acts ( attempt to coerce acceptance of deposit while omission of terms ) On XX/XX/2022, at approx XXXX received a call from a man who identified himself as XXXX, a manager at titleMax XXXX He thanked me for doing business with titlemax the previous XXXX  and wanted to notify me that he deposited funds into my pay portal account totaling over XXXX dollars for me to use when I needed to. When I advised that had not set up a deposit account or the pay portal, I was advised that they opened it for me. I refused the money and directed XXXX to remove th money they deposited from my account immediately. XXXX then tried several times to convince me to accept the money which i refused. First phone call to Title Max XX/XX/XXXX notifying them about unauthorized deposit remaining in account, Sent letters in XXXX, XXXX and XXXX in reference to investigation. Advised via email they were investigating in XXXX. XXXX I sent letter requesting results of investigation and any documents and information used to reach decision, if decision was made. At the time of this complaint, TitleMax has made no attempt to reverse deposit. I have received no resolution notice, basically I have been ignored as it pertained to deposit of funds into account on XX/XX/2022.