davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC (CA)

This is to advise University Accounting Service , LLC, DBA UAS, LLC, that I do not owe and have not owed for over 35 years any student loans whatsoever. Having graduated in 1979 from XXXX University with a XXXX XXXX, all of my student loans to XXXX were satisfied in full back in the XXXX. Given the many years since they were paid, I do not have any written proof. However, as I recall, all student loans were fully satisfied in a 5-year repayment plan under a Chapter XXXX bankruptcy. The plan was satisfied in full and, if any balances on the loans remained, the balances were discharged under the terms of the Chapter XXXX. Therefore, be advised that I have not owed nor have I been billed for any student loans for well over 35 years. 

In conclusion, I believe your current attempt to bill me is a SCAM to dun seniors for loans satisfied years ago anticipating that all paperwork to prove the loan satisfied is no longer available. 

This is to request you desist from your false billing. I am reporting this attempt to collect from me as the SCAM against senior citizens that it is.
Consumer complaint received 2021-07-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Lendmark Financial Services (FL)

I have reason to believe, and do so believe, that Lendmark Financial Services did not loan me anything and I do not have any alleged debt with them. Pursuant to 15 USC 1602 ( f ), ( g ), ( l ). I have reason to believe, and do so believe, that this is a consumer credit transaction where I as the original creditor used my credit card, which is my social security card, to assign myself to the creditor by granting the right on the existing credit plan. As pursuant to 12 USC 1431 ( a ). The power and duties of banks is to be a borrower. I have reason to believe, and do so believe, that Lendmark Financial used my credit card to get a loan, and pursuant to 15 USC 1692j ( a ) created and furnished a deceptive form in the attempt to make me the consumer think I got a loan. I've sent a debt validation and cease and desist letter via certified mail, as well as a notarized affidavit via certified mail, and I have not received any response my mail. Lendmark Financial has continued to report on my consumer credit report during this time, with no regard for federal law nor my rights as a consumer.
Consumer complaint received 2021-07-19
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 — Was not notified of investigation status or results
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have auto payment setup with Bank of America credit card ending with XXXX using my discover checking account. Later I opened Bank of America Checking Account and closed after 6 to 8 months. After that I started using bank of America credit card and suddenly one day I got alert that my bank of America card is past due. When I logged into account all auto payment setup is gone. I checked with customer service agent about my auto payment setup not visible and my credit card has become past due. I requested bank of America customer service to recall my late payment report from credit reporting as deleting auto payment setup issue is on Bank of america system side due to opening of bank of america checking account. Customer service had no clue on this issue. When i requested for recall of late payment of credit reporting there is no action from their side. I requested customer service to setup auto payment again and paid the past due amount. I raised service ticket with bank of america and there is no resolution as of now. hence reaching out consumer finance to resolve my issue since it affected my credit score. 

Let me know if you have any questions.
Consumer complaint received 2021-07-19
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have been trying to dispute some accounts that is on credit report that been impacting me very negatively. The accounts on the report was incorrect or inconsistent. I have ask them investigate those account multiple times they have yet responded to me on if the accounts was verified or accurate. They havent example where they verified or showed proof of any accuracy nor have they told how they are communicated with the creditors who are reporting these accounts. 

Below are the accounts : XXXX  XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX A XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

I noticed some accounts that were not mine on my report, including some inquiries. Please remove these inquiries because I did not authorize them. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-19
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (FL)

I was using PayPal to pay for a pair a sneakers the company told me after I paid that because I noted the type of shoe I was using the money for, they told me they needed to refund my money I have made a claim with PayPal I have called PayPal and I have emailed the company PayPal has still done nothing but put my claim under review and the company is saying they cant send my refund because PayPal hadnt allowed them to send refunds yet. I have all the emails and text messages between myself and the company and it all seems like they are selling shoes but just getting the money and now they are just holding my money and not refunding it to me.
Consumer complaint received 2021-07-19
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MIDFIRST BANK (TX)

We are on the COVID relief plan and were told that nothing would be reported late. We received the deferment but Midland reported our payments 6 months late even though it is not supposed to be reported late since we are on the COVID relief.
Consumer complaint received 2021-07-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (MT)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2021-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have a few accounts that I do not recognize on my credit report. I would like them to be re-investigated. My name is XXXX XXXX and not the XXXX XXXX XXXX either. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX Please delete the following account : XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-11
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)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2021-07-11
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to turn you in to immigration or deport you
Company: Radius Global Solutions LLC (NV)

Hi my boyfriend and I are receiving suspicious phone calls, texts, and emails about fraudulent products. I received a letter today with an original creditor, XXXX XXXX  XXXX  XXXX. 

I have never done business with XXXX XXXX XXXX XXXX and paid off all debts except student loans last month after a charitable gift. 

Also, someone is threatening to deport me. I was born in XXXX XXXX  and a man risked his life to retain my photos, original Id documents from XXXX and XXXX XXXX XXXX  high school years. My family was affiliated with the XXXX  church  and I was baptized in XXXX XXXX at that church site. ( Documented ) I lost my baptism garment from childhood as well as the majority of my belongings to someone impersonating me. Again I had one fan who was amazing and grabbed a box of my stuff. He couldnt even give me any information. I was the victim of a home invasion in XX/XX/XXXX in XXXX XXXX. It was us military, NASA, and a member of XXXX  XXXX. At the time, I was working on a XXXX  degree at XXXX XXXX as well as working as a XXXX XXXX XXXX. I had notes from work in my apartment. 

I reported the prank XXXX phone calls, two, two text messages asking for information related to XXXX, as well as emails and phone calls from a woman named XXXX. She was trying to sell me fake products like watches made with NASA equipment as well as cattle cloning packages. 

My boyfriend and I politely ignored these calls. To be fair, I am bilingual XXXX, but I look very XXXX. I am being accused of being XXXX. We are not XXXX  and I think XXXX is enough harassment. As is, prior to graduating with a four year degree in XXXX  in less than three years in XXXX, we had to move due to harassment every two years or so. I worked very hard to get into XXXX XXXX, and the men who invaded my apartment looked very XXXX. 

My cousin is a XXXX XXXX and will support my claims. He thinks he might know which is branch of the military accompanied by NASA this is. I guess well continue to face barriers to employment and threats to our safety while being ignored? 

Kind regards, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-21
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. (WI)

I have had been paying since XXXX of 2021 as part of a court ordered repayment plan. This has not been showing " payed as agreed '' on my credit reports. On my XXXX report it has been showing " no data ''. I have attached proof of the trustee payment report to the court as well as the Court order. The companies name is XXXX XXXX XXXX and XXXX, Experian and XXXX are the reporting agencies. 
XXXX XXXX , XXXX . 
XXXX XXXX  XXXX XXXX XXXX  XXXX, WI XXXX ( XXXX ) XXXX
Consumer complaint received 2021-07-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (OH)

I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
Consumer complaint received 2021-07-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (NV)

I am being contacted by a debt collection agency Midland Credit Mangement, XXXX XXXX, CA XXXX to collect a credit card they claim that I owe to a XXXX  XXXX  for purchases from XXXX XXXX in XXXX AZ on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Midland Credit is the only organization that has ever contacted me about these purchases in Midland Credit 's claim. No retailer has contacted me at my address regarding the retail items purchased in their claim. 

I informed Midland Credit that I am permanent resident of NV from XXXX and have never applied for, received or used a retail Credit Card issued through XXXX XXXX ( XXXX, XXXX XXXX, XXXX XXXX or XXXX XXXX in the past 10 years. 

I am not able to make sense of the credit card purchases in their claim because I am not an owner of a XXXX XXXX  credit card. Midland Credit has not provided me information on the way in which this Credit Card is being attributed. They have not provided information on how the indentity of the card owner is established ( by way of an individual 's signature, date of issue, and the address where the credit card was delivered to an individual ). I also requested proof of delivery of the products purchased to my Nevada address and they have not responded to me with any of these facts to validate credit card purchases in their claim. 

At this point Midland Credit is simply insisting that I own a credit card I am not aware of, and that I purchased retail products brought in a state I am not a resident of at the time their claimed purchases. If the purchase was made online, they have not given verifiable information on the address and time where the retail products in their claim was received by an individual.
Consumer complaint received 2021-10-22
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: CITIBANK, N.A. (CA)

On XX/XX/21 a charge for XXXX in the amount of {$14.00} posted to the account. On XX/XX/21 I filed a fraud alert. The card was cancelled and a new one was sent immediately. However, the amount of {$14.00} was never credited. I have made multiple calls to Citibank about this charge and keep getting told the amount will post in 2-buisness days. The amount has never been credited and the dispute still shows as open on the Citibank website. 
Their site states the dispute would be resolved no later than XX/XX/21. The last phone call to Citibank was on XX/XX/21 where I was once again told the amount will be refunded within 2-buisness days. I was also told that the case has been assigned to a fraud expert, but not being handled at this time.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

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 that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX : {$110.00}
Consumer complaint received 2022-06-21
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 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-10-22
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC (NV)

The car was purchased in XX/XX/XXXX and was scheduled to be paid off in XXXX of XXXX. As I continued to pay the auto loan off, it was sold from the original loan holder to the current loan holder, Westlake portfolio. The payoff amount continued to increase and never indicated the payoff occurring at the time of the contractual agreement. I contacted the company through a law firm and have not been able to get a respectful answer or solution to this concern. The last time someone spoke to me was on. XX/XX/XXXX. A supervisor named XXXX XXXX. She said the companies attorney, XXXX XXXX, would contact me and freeze the reporting until this matter was rectified. To date, this has not happened, and they continue to report to the credit bureau on me being late or missing payments. This has dropped my score by over 90 points.
Consumer complaint received 2021-10-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (GA)

I have a registered business in the state of Georgia and have several business accounts with Wells Fargo for a long time. Recently between XX/XX/XXXX and XX/XX/XXXX I had several fraudulent and unauthorized ACH debits from several of my business accounts and one personal savings account totaling {$190000.00}. We reported to the bank immediately and they did put money back for some small debits into some accounts but there are still approx. {$160000.00} of fraudulent debits they have not refunded. They have told me that the case is closed and they can not do anything with the above money. Wells Fargo does not have a specific person who is accountable and responsible to solve the above problem. They simply want me to go away. I have been a loyal customer for them since XXXX and have several business accounts and personal accounts with them. I need some serious help with the matter to avoid bankruptcy.
Consumer complaint received 2021-10-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (NC)

On the XX/XX/XXXX, I received an email from Square banking stating that a charge in the amount of {$290.00} had been declined fo insufficient funds. I knew I hadn't made any recent purchases, plus I had checked my account the previous day and had more than {$7000.00} in the account. I checked my online banking and saw 21 transactions had been made. I immediately contacted square. I was told that there nothing that I could to do besides wait until each transaction was complete and file disputes. Two of the transactions were voided so I filed 19 disputes over the next few days as they completed. I have talked to square every other day and even called the companies where my money was used, all of which were in XXXX! While I was using my card in XXXX, NC, someone was also using my card in another country, XXXX. Square doesn't have any protocols setup to stop this. I posted about this issue online and found two other people with square accounts that his happened to. The other people 's money was used in XXXX as well and at the exact same companies for the same amounts. Luckily for them they didn't have as much money to steal. I was told by Square that while they research my disputes they will give me a loyalty credit. On Today I received emails for loyalty credits for each of my disputes. Within seconds, I received another email stating they were taking the money right back out. 19 emails giving me a credit and 19 stating that they were debiting the account. When I call you can not speak to a manager nor anyone in the fraud department. I have been put on hold and hung up on or told it will be escalated and I will be contacted within 2 days and I never get a call back. I recently read loads of complaints on XX/XX/XXXX website of the same things happening to others, fraudulent activities, and Square siding with the merchant and people loosing thousands of dollars.
Consumer complaint received 2021-10-22
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: OneMain Finance Corporation (NY)

I am a victim of identity theft due to the XXXX data breach XXXX XXXX - {$1000.00} - XX/XX/XXXX XXXX XXXX XXXX XXXX  - {$830.00} - XX/XX/XXXX ONEMAIN XX/XX/XXXX
Consumer complaint received 2021-10-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NY)

In XXXX of XXXX I began preparations to move from XXXX to XXXX New York. I called myfedloan to get clarification about qualifying employment as I began my job search. Specifically, I wanted to know about the hours requirement for working for a qualifying employer, as I was seeing part-time and per diem options. I was confused by the language on the myfedloan website that used vague words such as " generally '' when explaining the hours requirement for qualifying employment and hours. During this particular phone call in XXXX of XXXX, the representative I spoke to from myfedloan assured me that as long as I worked at least 30 hours a week at a qualifying employer, it would count towards my loan forgiveness. I then accepted a job at 32 hours. 

This representative obviously misspoke, as I have since learned you can only work 30 hours for qualifying employer if that is the sum of TWO separate part-time jobs, but that if you are only working 1 job at a qualifying employer it has to be at least 32 hours, OR whatever the employer considers full-time. This was NOT explained in that phone call where I asked for help understanding this policy. 

As such, my recent application was denied because according to my employer, 35 hours was considered full-time. Something I was not aware of until they completed the PSFL form, since in my offer letter it did not indicate I was part-time, I was 32 hour exempt employee.

This was SO confusing, and I potentially lost almost a year of working at a qualifying employer because of confusing information on the website and misinformation from a representative who was supposed to help guide me and clarify the loan forgiveness process. Not only that, myfedloan is not responding to my appeal and refuse to consider approving me for the time worked. Please help!