davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-08
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV INC. (CA)

THIS IS FOR THE MIDDLE CLASS TAX RELIEF BENEFIT CARD IN CALIFORNIA ALL, EVERY SINGLE TRANSACTION WAS AN UNAUTHORIZED TRANSACTION MADE BY CRIMINALS WITH ACCESS TO MY FUNDS. THE STOLEN FUNDS WERE MADE AT A PHARMACY AND FAST FOOD FOOD BY THESE CRIMINALS. THESE CRIMINALS CREATED AN ONLINE ACCOUNT WITH THEIR EMAIL AND I DO NOT HAVE ACCESS TO ANY INFORMATION. I ASKED FOR A REFUND CHECK TO BE MAILED TO MY ADDRESS MONEY NETWORK IS NOT RESOLVING ANYTHING AND HAS NOT SENT THE CHECK AND NOW REFUSE TO GIVE ME ANY STATUS UPDATE BECAUSE I DONT KNOW INFORMATION ON THE CARD BECAUSE I NEVER HAD ACCESS TO BEGIN WITH. MONEY NETWORK LET HACKERS STEAL MY INFO AND IM THE REAL PERSON NOW THEY WANT TO VERIFY MY IDENTIFICATION AND BECAUSE I CANT VERIFY THE AMOUNT ON THE CARD THEY CANT HELP
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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.

has violated my rights. Or a list of inquiries : 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 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 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I submitted a dispute because this account is not mine. Equifax says they " verified '' the account but obviously, they have not. They are intentionally allowing inaccurate information on my credit profile against FCRA. The account is XXXX XXXX XXXX, my report dated XX/XX/XXXX Confirmation # : XXXX states that this account was opened on XX/XX/XXXX but has the date of first delinquency ( DOFD ) as XX/XX/XXXX. How can there be a payment delinquency ( DOFD ) BEFORE the DATE OF OPENING? This is irresponsible reporting by Equifax and they are violating FCRA by reporting inaccurate data on my report causing distress to my credit profile.
Consumer complaint received 2021-11-06
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent a dispute on XX/XX/XXXX. It has been over 30 days and I never heard back from XXXX, XXXX, or Transunion. I have attached the dispute letter I sent on XX/XX/21.
Consumer complaint received 2023-11-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc. (IL)

On Wednesday, XX/XX/2023, I'd Cash App {$300.00} to my receiver, and he is unable to cash it out, as there is nothing wrong with his bank account. He file a complaint with Cash App ( XXXX ), and they were unable to tell him why he can't Cash-Out the monies. They told him that they cancelled his account and put in a XXXX # XXXX, and that he will hear from a XXXX via email,. Well to date, the money {$290.00} ( $ XXXX {$8.00} Fee ) is still in limbo in the App, on his phone ; and no one has emailed him of the status of his complaint. My bank states that they can not return my monies to me, as this was a Cash transaction. Please help me get my full {$300.00} back from Cash-App. 

Thank you.
Consumer complaint received 2023-10-25
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: EQUIFAX, INC. (FL)

Regardless of multiple written requests, the unverified accounts/inquiries listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts/inquiries completely from my credit reports. 
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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: PLS GROUP, INC (TX)

PLS suggested to me to get one of their debit cards to hold my money on because it's safer I don't even think it was a day later I lost about {$3500.00} off of my card in about {$500.00} increments while i was sleeping when i noticed i called them stopped card and got a new one. They said no problem they would investigate it and refund the money. They investigated and never refunded the money. I asked them why and asked for a copy of my statement of all of the transactions I've never been able to access my online statement or their APP. But I didn't recognize any of the names on the statement. I filed a rebuild 5 times they finally claimed they just received my rebuttal after 5 times and now they are stating they need any supporting documentation whatever that means if it is a police statement they are talking about it's probably a little late for that seeing how it's been 2 months and they never said anything about needing any police statements then I'm not sure what it is they need. I'm a single father of a XXXX yo I just turned XXXX and this money that came up missing is a grant I received because I just found out I had got XXXX right around COVID I was trying to start a business to get myself off of social security because it doesn't pay well enough to survive. My statement PLS send me of all of the transactions are non legible starting on the day the money started coming up missing the names of the people who accessed the money names are double printed over so that I can't read who or what the charges or withdrawals are from. It almost looks as if it's an inside job. I only had the card 2 days before this happened. I've got all kinds of banking institutions and I've never had any instances happen like this. I'm running out of time on this rebuttal and seriously need help. I'm trying to reinvest this money so that I can take care of my child.
Consumer complaint received 2022-07-18
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CREDIT ACCEPTANCE CORPORATION (PA)

WITHOUT PREJUDICE Before any financial institution reports any of my information there are proper conditions and procedures that first MUST be met by law before they do any reporting. Any contract I had with Credit Acceptance XXXX  is now Null and Void due to the facts they failed to provide the following disclosures during the initial communication, and failed to explain how I can exercise my rights as the consumer to opt out of the unfair reporting and collection activities. 

I know I am entitled to the right to privacy which means I have the RIGHT to opt out of any of my information being reported to any and all non affiliated third party agencies, due to the fact every financial institution has the obligation to respect the privacy of it's customers and to protect the security and the confidentiality of those customers non personal public information. Also, to protect from unauthorized access or use of such records or information which could result in harm, or inconvenience to any customer. 

( This includes primarily XXXX, XXXX & XXXX, plus all the other consumer reporting agencies collecting my information ) Now, this is NOT an option given by Congress under the Privacy Obligation Policy 15 usc 6801 & 15 usc 6802 b ( a, b, & c ). Here are the violations that have caused me to suffer unfair and inaccurate reporting on my consumer reports/files.

Violation 1. 15 usc 6802 B ( a ) clearly and conspicuously disclose to the consumer in writing that they are going to report any information.

Violation 2. 15 usc 6802 B ( b ) the consumer must be given disclosure that there is opportunity before the reporting begins to not have that information reported.

Violation 3. 15 usc 6802 B ( c ) the consumer must be given an explanation on how to exercise the right to the non disclosure option.

I have contacted them sending letters about these grave errors and other unfair collection activities demanding they cease collection attempts, meanwhile nothing has been peacefully resolved as they continue to violate my consumer rights and fail to acknowledge my written consent to stop furnishing inaccurate information that is not permissible. I know that if they have any reason to believe that any information being reported is not accurate, they must Delete and Block any further reporting pursuant 15 usc 1692g ( c ) and that they also must have my consent in writing to report or delete anything ( 15 usc 1681b ( a 2 ) and I only gave them permission to cease.
Consumer complaint received 2023-12-19
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC (AZ)

I have a title loan with Title Max in XXXX Arizona the branch is on XXXX XXXX and XXXX XXXX. First, they gave me a loan that was 3 times more than the legal interest rate cap of 36 % violating the financial rights of consumers and I did not even realize it until I started paying it off. I have to be late this month with my payment because I had a death in my family, and I had to pay for cremation costs and more. I called down to the branch and spoke with XXXX, he told me there was nothing he could do and that I am in jeopardy of getting my vehicle repossessed. They are doing unlawful activities and not treating their costumers well. I want to make this complaint because they need to give me a grace period and I will make two payments on the XXXX of XXXX to catch up. I have never done business with a company that had no consideration like this and out to burn people for their money.
Consumer complaint received 2023-07-19
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. (PA)

Equifax EquifaxXXXX XXXX XXXX XXXX XXXX has yet to provide proof to the account being removed from my credit report as stated. 

Equifax caused issues with my credit card being XXXXXXXX XXXX XXXX XXXX in which Equifax cause harm to my card being cancel. 

Equifax did not have my permission nor consent nor did I ask them to contact XXXXXXXX XXXX XXXX  XXXX XXXX. 

Equifax is not above legal agreements between me and my credit card Holder. 

Equifax can not show me any proof legally or contract or digital signature of me giving consent to my issue that was filed. 

My issue was that my credit cards was all paid off nothing else was ask or file but to update correct balances. 

Equifax also has created address as phone numbers not my numbers on the credit file as an issue. 

Equifax needs to stick with the complaint filed and the issues and stop making up lies not pertains to the issues of updated credit file of all credit cards paid off. 

My complaint is with Equifax lagging to update balances correct and get into issues not requested. 

I have contacted an attorney to the matter that deals with credit bureaus on matters of illegally overstepping their legal boundaries to the said matter. 


Making false statements to my credit card holder of fraud in which I did not have no fraud nor suspicious charges was told to me by XXXXXXXX XXXX XXXX XXXXXXXX. 

card was cancel due to Equifax making false statements not by me There is clear fraud by Equifax in which has been reported to US attorney and DOJ
Consumer complaint received 2022-10-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (FL)

Fay Services is supposed to escrow for both taxes and insurances for my account. They have been taking money out of my account for escrow and not paying my insurance or taxes. After a long battle with Fay Services they sent me a check for my homeowners insurance. At first they said my account has only been escrowed for taxes and that's why insurance is not being paid. Now they are saying my account is set up for insurance but not set up to escrow taxes. According to my closing documents and the people serviced my loan before them my account is supposed to be setup to escrow both INSURANCE AND TAXES. They are illegally not following the rules of the closing documents which states that escrow be collected for BOTH HOMEOWNERS INSRUANCE AND TAXES. This company has not followed the rules of the closing documents and are choosing to break the law. I've asked them to review the documents and update the account and do an escrow analysis a lot of times but they refuse to do that and instead make excuses and lie and say the account has not been setup for escrow. Instead of reviewing the closing documents that I signed and setting up the account correctly By law they are not allowed to setup the account the way that they choose to, they have to follow the documents that I signed. Now they have sent me an escrow surplus check of XXXX XXXXand cant tell me if its money that actually is owed to me or if its a mistake on their end and they should have kept it in escrow.
Consumer complaint received 2022-08-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: DISCOVER BANK (NC)

On XX/XX/XXXX, I set up online a wire transfer of {$22000.00} to my friend XXXX XXXX. The transfer has never been delivered to his bank account. I received an email on XX/XX/XXXX, asking me to contact the bank at XXXX. During the phone conversation, I was asked to provide more information to complete the transfer, including very private personal information about my friend, the wire transfer recipient. This is very suspicious request especially over the phone, because I have made multiple wire transfers from other banks previously, have never been asked for such information. My request to provide the support documentation for such request was not satisfied, and was told that without that information the transfer could not be processed. Therefore, I asked the bank to cancel the wire transfer and return the fund to my account. I was assured it should be back in 3 to 5 business days. Now after 20 days passed, I havent seen money back to my account. And nothing from the bank explains what is going on. 
An inquiry message to the bank on XX/XX/XXXX, ended up with the request my phone call to the same number without much sincere help. I was assured the issue would be solved and money back on this Monday XX/XX/XXXX, yet nothing happened.
Consumer complaint received 2023-09-04
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Comerica (CA)

OK hello my name is XXXX  and I got my ID that you guys required for me to get my card activated I keep trying to call nobodys answering the phone I cant I keep I tried to go online and do it and I cant get it that way I dont know what to do Can somebody please help me resolve this. Card XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Co-signer
Company: Navient Solutions, LLC. (FL)

Last year ( XX/XX/22 ) I inquired, over the phone with Navient, about releasing a cosigner on my loan. I was told that if I paid a lump sum to bring the loan current ( {$990.00} on XX/XX/XXXX  ), then go into a 12-month plan that required consistent on-time payments that would steadily increase in cost I would qualify for the cosigner release. 
The payment plan began on XX/XX/XXXX  and I paid on time every month. I can list every payment if needed. Afterward, I completed the 12-month plan and confirmed via, phone call, that I could now sign the cosigner release, I submitted the paperwork to release the cosigner and they denied the application. 
They cited a rule that had never been brought up nor addressed, saying that because I didn't have a specific graduation date in my information, they would not honor the cosigner release. This had never been addressed in any form when I spoke to them, on multiple occasions, via phone call, as a requirement. They simply told me to do the 12month plan and I would qualify.
Consumer complaint received 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

When I called TransUnion at ( XXXX ) XXXX on XX/XX/18 at XXXX XXXX  a woman picked up the phone. She asked for my social security information and the reason for my call, didnt answer a question I asked, left me on silent and then hung up. 
Im afraid she took my information to steal my identity.
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Reporting inaccurate information The Credit Bureaus NEVER Did Proper Investigation according to the FCRA The term investigation consumer report means a consumer report or thereof in which information on on a consumers character, general reputation on, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information on.

They did not do this.

Also they have violated more of my rights According with the fair Credit Reporting Everything must be 100 % ACCURATE!!

The credit bureaus stated this account was properly inves : gated but how if the Open Date is inaccurate, Last Payment Date in inaccurate, date last reported is not accurate This is Grounds for REMOVAL!!

They Also Violated the law because according to 15U.S.C 1681 Sec : on 602 A States I have a RIGHT to Privacy.

15 U.S.C 1681 Sec : on 604 A States a Consumer repor : ng agency can not furnish an account without my written instructions on.

I myself did not given anyone consent
Consumer complaint received 2023-08-07
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. (TX)

Dear Equifax, I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 


2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 


3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 


4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Consumer complaint received 2023-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Affirm Holdings, Inc (OR)

Received a call from Affirm at approximately XXXX PST. Representative supposedly from Affirm asked me to confirm that I was applying for a new credit card associated to my cellphone number. I confirmed that I was not. Representative sent me a text asking for a pin number.
Consumer complaint received 2024-12-20
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ECMC GROUP, INC. (CA)

My first complaint to XXXX was to establish, that I was not aware of opening any Student Loans in the XXXX of XXXX. However, I made between XXXX and XXXX payments, all in good faith, towards this Fraudulent ( XXXX  ) Student Loan at the time they were servicing this Student Loan between XX/XX/XXXX - XX/XX/XXXX. 
I complained to XXXX, this was not my Student Loan. At that time, I asked XXXX to give me any records of Disbursement of Funds, in my name, from XXXX XXXX XXXX. XXXX never provided that information. XXXX transferred or sold this XXXX XXXX to ECMC, between XXXX. I established a rehabilitation payment plan, again, IN GOOD FAITH, with ECMC, to try and resolve this Student Loan. 
I asked ECMC to provide records of Disbursement of Funds, in my name, from XXXX XXXX XXXX. ECMC told me the burden of PROOF is on my shoulders. I said, ok. On XX/XX/XXXX, I contacted XXXX XXXX XXXX XXXX Financial Aid/Bursars office. 
They provided me with my Student Financial Aid record for the XXXX of XXXX. There are NONE, not one Student Loan listed, nor are there any Disbursement of Funds, allocated to me, in my name in the XXXX of XXXX. This is XXXX of the Fraudulent Student Loans and Corruption XXXX  was found guilty of. 
My Student Financial Aid record substantiates my claim. I have been Threatened and Harassed for 20 years - my credit score/report has been tarnished, by this Fraudulent Student Loan. I am asking ECMC, to withdraw, close and remove my name from this Fraudulent Student Loan, and to stop reporting this Fraudulent Student loan to all CRAs.