davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-11
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. (GA)

In accordance with the Fair Credit Reporting act the List of account below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX  - Opened XXXX XXXX XXXX XXXX XXXX -Opened XXXXXXXX XXXX XXXX - Opened XXXX XXXX XXXX  - Opened XXXX 15 U.S.C. 1681 section 602A States I have the right to privacy 15 U.S.C. Section 604A Section 2 It also states a consumer reporting agency cant furnish a account without my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) Section States no consumer reporting agency may make many consumer report containing of the following items of information Any other other adverse item of information other than records of convictions of crimes antedates 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2022-11-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CA)

On XX/XX/XXXX, I made a payment for {$8900.00}. My student loans were transferred to Fedloans on XXXX, XXXX, I emailed XXXX regarding refund for COVID-19 payment made and was provided with reference # XXXX. On XX/XX/XXXX, I requested a full refund for payment made during COVID payment pause to Fedloans. On XX/XX/XXXX, I spoke with a Fedloans PSLF specialist and provided them with the reference # XXXX case number ; I was informed the refund request was processed and to expect a full refund first week of XX/XX/XXXX,. 

On XX/XX/XXXX I also received a letter that my loans were forgiven through the PSLF program. 

XX/XX/XXXX, I contacted FEDLOANS again, and was informed the refund request showed it was processed on XX/XX/XXXX but was later cancelled. No reference number or date of when this request was cancelled. When asked who cancelled the request, I was told, " The system does not provide this information, but you should have received a letter to your Fedloans message emails. '' I explained I had not received any communication of the refund being cancelled and asked they look it up on their end. The customer support representative checked the account and was surprised to see no letter/communication of the refund being cancelled was sent. 

My loans were forgiven and refund was not processed and the customer service representative stated I needed to call my loan services. I explained to them there is no loan to be serviced and asked which servicer I needed to contact. Needless to say, I was not provided with clear, concise information and I am still owed a refund for the amount of {$8900.00}.
Consumer complaint received 2022-09-27
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: TRUIST FINANCIAL CORPORATION (VA)

This is follow up of XXXX, because Truist misled me into use their bakance transfer offer, and refused to cancel the deal and refund interest they illegally charged me ; i returned all the money to the credit card last week, expecting tgem give me answer on the charges they should not have made on me ; without such response I managed to pay all that charge last night, although I don't agree to it, suppose my balance should be zero with this payment.

But to more negative surprise, the payment was not reflected on the account ( but marked as complete in my checking account ), they went to withdraw another {$210.00} on already zero balance account.

What is thus bank doing to serve customer other than charge and charge? This fraudulent deal had caused my big hardship, decrease of my credit score, why they are allowed to take time again and again, and make unjustifiable charge on old people? also CFPB us doing to protect people against such damage?
Consumer complaint received 2022-06-25
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: BARCLAYS BANK DELAWARE (NY)

On XX/XX/2022, I filed a dispute with XXXX about an authorized user account of mine that had been closed and charged off, by Barclays Bank Delaware. However, despite me telling them that I was not legally responsible for this account, they did not remove it from my credit report. On XX/XX/2022, I filed another dispute, emphasizing to them that they were legally obligated to remove it from their credit report, but on XX/XX/2022, they returned the results of the dispute with the same description : " WE VERIFIED THAT THIS ITEM BELONGS TO YOU. THIS ACCOUNT HAS BEEN UPDATED. ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. '' However, this is not my account. I am an authorized user. 

I have tried asking Barclays to remove myself as an authorized user, but they need the primary user 's permission to be able to remove myself as an authorized user. The primary user is unwilling to call them to do this, as they are currently in a lawsuit with Barclays. 

I have also tried telling XXXX on the phone about my situation and asking them why they can't remove this error on my report, but they keep telling me to file a dispute with them, but I have done that twice with no resolution. 

I will be disputing with XXXX once again today at XX/XX/2022 to see if I can have some type of resolution, but I doubt they will have a different response as before.
Consumer complaint received 2022-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

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. 
Account name : XXXX XXXX # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States 1 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 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 2022-12-11
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: Lendmark Financial Services (CA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-06-06
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)

Original complaint ID XXXX Submitted on XX/XX/2022 Improper use of my report - Unauthorized inquiries reported. 
Requested items be deleted. 

On Saturday, XX/XX/2022, XXXX XXXX, Experian XXXX wrote : XXXX XXXX XXXX, We have added an Extended Fraud Victim Alert to your credit report as requested on your behalf by one or more of the nationwide consumer credit reporting companies. This message, which will remain on your credit file for seven years, alerts credit grantors that you are a victim of fraud and to verify your identity in case someone is using your information without your consent. As an additional precaution, we have removed your name and address from prescreened offer mailing lists for five years. You can request two free copies of your credit report within 12 months of your request for this alert by visiting our secure Web site, www.experian.com/extendedfraudreport or by calling XXXX XXXX XXXX XXXX. 

If you prefer to write to us, indicate that you are a victim of fraud requesting your free credit report and send us all of the following information : 1 ) Your full name including middle initial and generation ; 2 ) Social Security number ; 3 ) complete addresses for the past two years ; 4 ) date of birth ; 5 ) government issued ID card, such as a drivers license, state ID card, etc. ; 6 ) utility bill, bank or insurance statement, etc. Send copies of any documents you provide. Mail your request to Experian, XXXX XXXX XXXX XXXXXXXX, Texas XXXX. 

You may access a more detailed statement of your rights online at www.experian.com/fraudrights or by calling XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX XXXX } { XXXX XXXX XXXX XXXX { XXXX } XXXX XXXX { Credit Bureau XXXX XXXX XXXX XXXXXXXX XXXX { Credit Bureaus : ALL 3 } { XX/XX/2022 RE : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on { insert date of report } and I noticed an unauthorized credit inquiry had been made. I contacted { inquiry sources name }, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the [ inquiry sources name ] inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. Thank you for your assistance in this matter, { XXXXXXXX XXXX  }
Consumer complaint received 2022-12-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Prosper Marketplace, Inc. (SC)

I was looking over my charge card and notice a small fee for a cash advance I have never taken out a cash advance on this credit card or any other credit card. 
Called the issuing card on numerous occasions and getting no where. 
I have emailed. There response is to call and set up a dispute after numerous attempts to do so. again no where. Called again, explained the situation again. Told me to call this number. I did It was a fax number. Called again, Got a another number. NO One has called me back.Called agin.gave me the same run a round. Called again, now was told someone would call me. No call. No email.

Every month first amount I noticed was XXXX XXXX  on XX/XX/2022. 
XXXX it was XXXX XXXX. it is now XXXX and the amount is up to XXXX XXXX. 
The credit card company is called Prosper
Consumer complaint received 2022-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX XXXX } { XXXX XXXX XXXX XXXX { XXXX } XXXX XXXX { Credit Bureau XXXX XXXX XXXX XXXX XXXX  } { Credit Bureaus : ALL 3 } { XX/XX/2022 RE : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on { insert date of report } and I noticed an unauthorized credit inquiry had been made. I contacted { inquiry sources name }, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the [ inquiry sources name ] inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. Thank you for your assistance in this matter, { XXXXXXXX XXXX XXXX
Consumer complaint received 2022-06-06
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)

n accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXXXXXX  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 a account without my written instructions
Consumer complaint received 2022-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bureau XXXX XXXX XXXX XXXX  } { Credit Bureaus : ALL XXXX } { XXXX XXXX RE : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on { insert date of report } and I noticed an unauthorized credit inquiry had been made. I contacted { inquiry sources name }, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the [ inquiry sources name ] inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. Thank you for your assistance in this matter, { XXXXXXXX XXXX XXXX
Consumer complaint received 2022-09-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

I want to buy a game device on XXXX XXXX  in this link ( XXXX XXXX XXXXXXXX ) from a seller with total of XXXX, the seller ask me to deposit XXXX. I did that through zelle on my XXXX bank to someone on zelle under name : XXXX XXXX with Phone number : ( XXXX ) XXXX and after that the seller sent me a fake receipt and ask me for the rest of the payment otherwise he will stop the shipment. and I said the seller can go ahead stop sending it to me and send me back my deposit. from there I did not receive any response from the seller. he ran away with my deposit. I had all the evidence include all the text and the fake XXXX receipt ( I know it fake because he used fake address on it which is XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX which is the resident address ). I already report this to my bank.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SANTANDER HOLDINGS USA, INC. (PA)

This lender is reporting a fraudulent account to my credit profile. I have reached out to the company for removal of the fraudulent auto loan account and nothing has been done to resolve this issue. I have reached out for over 150 days. The account does not belong to me and is inaccurate. Please have this company remove the account completely from my personal credit report. By law my credit report must be accurate at all times or the information that is deemed to be fraudulent needs to be permanently removed from the report on all my credit reports. Failure to remove the account to will result in me taking legal action lawsuit
Consumer complaint received 2022-08-09
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. (OH)

I purchased this car in XXXX. I was in a severe accident shortly after. Insurance paid majority of the balance. I attempted to settle with the company and make payments for the difference. They were not transparent in how to do this, I got different amounts from different people. It was all very shady. In XXXX, they offered me a settlement amount. Their email went to the junk folder and I was never mailed a paper version or contacted. I was under the impression everything was okay. I responded back to this email in XX/XX/XXXX when I saw it and heard nothing. They had not been reporting negative payments to the credit bureaus so I truly did not know anything was wrong. I later was informed the balance was not settled and was showing as a charge off. I contacted them to settle the debt. I settled the debt last month and they reported XXXX months of late payments. I would have paid this a lot sooner and not allowed damage to my credit if they had been reporting accurately. I have attempted to call in. The agents are INCREDIBLY rude. They interject, dont listen. Im not permitted to speak to their reporting department and advised Ill be sent a letter. Its been a horrible consumer experience and they ruined my credit when I was making true efforts to pay them. It is very unethical to not report accurate and timely data to the credit bureaus. I have provided them payment and closed the account. My only goal is to have the derogatory remarks removed.
Consumer complaint received 2022-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  { Credit Bureau XXXX XXXX } { Credit Bureaus : ALL 3 } { XX/XX/2022 RE : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on { insert date of report } and I noticed an unauthorized credit inquiry had been made. I contacted { inquiry sources name }, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the [ inquiry sources name ] inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. Thank you for your assistance in this matter, { XXXXXXXX XXXX XXXX
Consumer complaint received 2022-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX { Credit Bureau XXXX XXXX XXXX XXXX  { Credit Bureaus : ALL 3 } { XX/XX/2022 RE : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on { insert date of report } and I noticed an unauthorized credit inquiry had been made. I contacted { inquiry sources name }, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the [ inquiry sources name ] inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. Thank you for your assistance in this matter, { XXXX XXXX XXXX
Consumer complaint received 2022-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX XXXX } { XXXX XXXX XXXX XXXX { XXXX } XXXX XXXX { Credit Bureau XXXX XXXX XXXX XXXX } { Credit Bureaus : ALL 3 } { XXXX XXXX RE : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on { insert date of report } and I noticed an unauthorized credit inquiry had been made. I contacted { inquiry sources name }, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the [ inquiry sources name ] inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. Thank you for your assistance in this matter, { XXXXXXXX XXXX  }
Consumer complaint received 2022-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX XXXX } { XXXX XXXX XXXX XXXX { XXXX } XXXX XXXX { Credit Bureau XXXX XXXX XXXX } { Credit Bureaus : ALL 3 } { XX/XX/2022 RE : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on { insert date of report } and I noticed an unauthorized credit inquiry had been made. I contacted { inquiry sources name }, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the [ inquiry sources name ] inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. Thank you for your assistance in this matter, { XXXXXXXX XXXX XXXX