davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In XX/XX/2015 there were 2 XXXX XXXX credit cards opened fraudulently in my name. I alerted XXXX XXXX and they removed one of the credit cards for fraud, however they left the other credit card account with a balance of XXXX dollars on my credit report. I have disputed nonstop, weekly and monthly, I have filed XXXX complaints, filed FTC reports and XXXX  XXXX refuses to do the right thing and delete this account stating it is linking me to this account by the address XXXXXXXX XXXX XXXX XXXXXXXX XXXX PA XXXX- I find this interesting as I called each of the 3 credit bureaus and they all told me I am NOT associated with the address XXXX XXXX XXXXXXXX XXXX and that it has been deleted from all of my files for fraud. I will be attaching the letter XXXX XXXX wrote stating the account is being linked to me by that address so that you can see they are reporting wrongful and inaccurate information to my credit file. This will be the last time I try to resolve this with XXXX XXXX before I file a lawsuit as this account is causing me issues with financing and living my life because of this being on my credit.
Consumer complaint received 2022-09-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIBANK, N.A. (NY)

I received a phone call from someone who was impersonating a Cit bank representative on XX/XX/2022. They told me that I had suspicious activity on my account. 

When I looked I saw that there was suspicious activity and they told me they could help me to resolve this. 

Then the hackers created two fraudulent accounts under my name and moved money into those accounts as well as transferred money out of my account into XXXX accounts in the amounts of : - XXXX to someone by the name of XXXX XXXX - XXXX to XXXX XXXX XXXX to XXXX XXXX - XXXX to XXXX XXXX I do not know these names or who these people are. 

As soon as I realized this was fraud, I submitted claims with Citi bank ( on XX/XX/2022 ) and since received a response that Citi is unable to honor my request for reimbursement because the online credentials were required to perform the transfers and the activity appears to be consistent with my normal banking activities. 

That is not true. I have never opened another checking account nor do I ever use XXXX for any transactions. 

I re-opened my claims to dispute on XX/XX/2022. 

I filed a police report on XX/XX/2022. As soon as I can get a copy of that I will submit that here.
Consumer complaint received 2022-06-25
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. (SC)

In accordance with fair credit reporting act XXXX account XXXX has violated my rights. 
15 U.S.C. 1681 section 602 A States I have rights 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 instruction. 
Creditor Information XXXX XXXX A XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Balance {$1400.00} Highest Balance {$1400.00} Opened XXXX XXXX, 2020 ( XXXX yr, XXXX mos ) Account status Open Type Unpaid Responsibility Individual Account. 
Remarks Medical Original Creditor Name XXXX XXXX XXXX XXXX Closed No Info
Consumer complaint received 2022-08-01
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Paypal Holdings, Inc ()

Company name : PayPal.Inc I have been using PayPal to receive payments for my business and also paid some of my staffs using some platforms On XXXX XX/XX/2022 I wanted to convert my personal PayPal account type to business type to start my new XXXX XXXX  and I stopped in middle of it. 

the next day I woke up and got charged some cents from one of my clients that I know and I designed for, I noticed in my emails that PayPal limited my account permanently with XXXX XXXX I earned in 3 months. ( in XXXX XX/XX/2022 ) I thought the reason was that I didn't complete converting my account to business type, so I completed it as fast as I can, but nothing happened. 

I immediately contacted the office in several ways, and they never told me the reason, they kept repeating that I violated the user agreement, while all what I was doing is selling my XXXX XXXX on XXXX, XXXX, and XXXX, and paying some of my staffs on up work, etc only. 

It's been 3 days, and yet they don't want to tell me what happened or give me my money back at least.. Only repeating thr same message over and over.
Consumer complaint received 2022-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (NC)

On XX/XX/2022 my credit card was fraudulently used in a different state for a purchase of {$1100.00}. I was notified of unusual charges on my account by Wells Fargo ( card issuer ) the following morning. There were a total of 4 attempted transactions and of the XXXX, XXXX of them were declined by the card issuer as they suspected fraud. I confirmed that these charges were not mine as soon as I saw the alert and the issuer immediately removed them from my account. After completing what was supposed to be an investigation, the bank made me aware that they believed those transactions were legitimate and were completed by me. Called back again letting them know of the apparent error and they proceeded to reopen another claim. To my surprise this and the subsequent investigation were both closed, informing me that, because I had my credit card in my possession, they must have been me and the charge was reinstated to my account along with interest on the charge. In several recent conversations with the fraud claims department I have ask for this to be escalated, I was assured I would receive a call within XXXX4-48 hours from the executive office, as they have the ability to look further into a claim. It has currently been over XXXX hours. I called in again this evening to check on a status of the request. I was told that it is only assigned within XXXX hours ( which would have been yesterday ) but this was not assigned to anyone yet and to call back Monday and hope it has been assigned. I was hung up on after that. I am only requesting that the bank actually looks into this claim far enough to see that this charge is fraud and remove it from my account along with any interest that has accrued. I have filed a police report in regards to the charge and a detective has the receipt from the transaction. I am out of options and am exhausted from the bullying of a customer by my own bank.
Consumer complaint received 2022-06-25
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. (SC)

In Accordance with fair credit reporting act XXXX accounts # 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 : its also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-25
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)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX and 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 2023-12-27
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc. (MI)

Originally this was with XXXX XXXXXXXX XXXX XXXX XXXX  I during XXXX I lost my XXXX. I needed additional funds for his funeral. I took this {$2000.00} line of credit without anticipating that I would lose my job a month later they charged off my account to and NCB management, which now claims that I owe {$3500.00} the balance is now {$3200.00}. They added an additionally {$1500.00} to a XXXX XXXX. I I have disputed this with all three credit bureaus, and every time they tell me, the information is accurate despite me requesting proof not only from the debt collector, but from the credit bureaus as well, because if they deem this amount as accurate I want to see the proof the third seeing. This is a charge off account that is still showing as an open account and has prevented me from qualifying for any housing or credit for the last two years because my DTI is reflecting that I make payments of XXXX a month, which is more than my monthly salary, and this debt collection company has ruined my life. They have harassed me, contacted my family members that dont even live in this state and have had people contact me off of different numbers, asking me to verify my address so they can bring me a subpoena for not making payments, despite my attempts at communicating with him that I want proof of this balance that I owe. I apologize for the length. But this one that collection agency is ruining my life and I made a mistake at XXXX XXXX XXXX, but it is not fair for them to do this to people.
Consumer complaint received 2023-12-04
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (KS)

I have been attempting to get the remaining loan forgiven through the Public Service Loan Forgiveness program, unsuccessfully. It seems that Mohela has not updated their payment counts and as a result, I haven't had the loan forgiveness that I am due. The issue is that there is a large block of payments that have been made, and were qualifying, but haven't been applied to my account. What's somewhat odd about this, is that there have been payments prior to this block of time that have been applied, and a block of payments after this time period that were applied, but for some reason there is about a seven year block ( some of that time I was in school ) that counts weren't being counted. I pulled all of my student loan payment records through the FOIA and have included screenshots of the qualifying payments that I've made, as well as a screen shot of Mohela 's payment count.

I have also reached out to my Senator and asked them to inquire on my behalf. Information was sent to them on XXXX XXXX, and I have not heard anything back yet. 

Multiple attempts to inquire with Mohela have gone unanswered in that they can not seem to understand why those counts haven't been applied yet. They refer me to FSA - Federal Student Aid indicating that FSA is responsible for informing Mohela what payments should be applied. When I call FSA, they refer me back to Mohela indicating that Mohela is responsible for the payment counts. No one seems to be able to find any answers here, and as such, I hopeful that CFPB can. 

Screenshot 12 - That is a picture of my payment counts in Mohela - You can see the gap in counts, as it goes from XXXX to XXXX. 
Screenshots 13 - 17 should prove that the payments were made, and were qualifying. Further, these payments would push my count over the 120 payment count for my last loan and it would be forgiven. My student loan should be forgiven due to PSLF.
Consumer complaint received 2022-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY (AK)

Wells Fargo Bank NA issued a credit card to me when I did not apply for same, in XX/XX/2022. It appears to be associated with their Visa Rewards program. I've attached a copy of the transmittal. I have notified their card division that I wish to cancel the services associated.
Consumer complaint received 2022-09-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX accounts with high balances of {$4500.00} and {$500.00}, 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 2022-06-05
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. (FL)

XXXX XXXX XXXX no account number reported XXXX $ SUPPOSIDLY FROM XXXX YEARS AGO! 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND)

XXXX XXXX XXXX- I dont know about this in my credit report XXXX- I only had 1 account with them and it appears 2 on my credit report XXXX  XXXX XXXX  XXXX- I have no knowledge of this
Consumer complaint received 2022-06-05
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. (FL)

XXXX XXXX XXXX no account number reported XXXX $ SUPPOSIDLY FROM XXXX  YEARS AGO! 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 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 2022-06-05
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

On XX/XX/2022 The Credit bureaus stated Account Name & Account # was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 

I haven't given these accounts written permission to furnish these accounts on my credit report. 

I have sent in several certified letters and have all tracking number available
Consumer complaint received 2022-06-25
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (PA)

Comenity bank WAYFAIR has been charging me late fees after late fees even though they have always had my card on file for automatic debit payments. I have called multiple times and have stated the same thing that they have always had my card on file for automatic debits which they where doing and then they stopped and thats when they started charging late fees, a scam to get more money. The Company has been nothing but rude and everytime I call they say I will not get charged but before I know it I have another bill in my mailbox.
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

My rights as a consumer have been violated. The companies below are in violation and the violations needs to be addressed. XXXX XXXX {$460.00}, XXXX XXXXXXXX  {$450.00}, XXXX. XXXX XXXX {$4000.00}, XXXX XXXX- {$260.00}, which is still showing a balance, monthly payment, past due, and the last date of payment is XX/XX/2016. the Statute of Limitations for the state of South Carolina is XXXX years for a collection/charge off account. I have not received a 1099c for this debt. XXXXXXXX XXXX- {$52.00}, is a HIPPA violation for third accounts placed for XXXX XXXX XXXX XXXX  XXXX {$460.00}. XXXX XXXX XXXX- {$700.00}. 15 USC 1681 ( a ) ( 4 ) - states that accounts for collection or charged to profit and loss which antedate the report by more than seven years. 15 USC 1681s-2 ( B ) ( i ) - states that the person has been notified by consumer at the address specified by the person for such notices, that specific information is inaccurate. 15 USC 1681b ( a ) ( c ) ( 2 ) - states that any consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( 2 ) In the accordance with the written instructions of the consumer to whom it relates. 15 USC 1681a section 603d ( 1 ) the term " consumer report '' means any written or oral or other communication of any information by a consumer 's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used to collected in whole or in part for the purpose of serving as a factor in establishing the consumer 's eligibility ( 2 ) exclusion ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 15 USC 1692f ( i ) states that the collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 15 USC 1692e ( 2 ) ( A ) states that the false representation of ( A ) the character, amount, or legal status of any debt is a violation. Transactions between the consumer and the person making the report, and utilizations are experiences and they are a violation..
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: EQUIFAX, INC. (FL)

i wrote to equifax and they still did not update my credit report these account need to be remove as soon as possible account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX General Prohibition on Reporting Inaccurate Information The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ).

i have give time to do so, please remove this account immediately i reported/deputed this XX/XX/2022 XX/XX/2022
Consumer complaint received 2022-06-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Atlantic Collection Agency, Inc. (CT)

XXXX XXXX Collection Representative for Atlantic Collection Retaliated against me by putting this false account in my credit report after ii sent him a letter that I paid my dr bill to the doctors office. this company then retaliated against me and damaged by credit reports.
Consumer complaint received 2022-11-05
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 — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION (AL)

Credit Acceptance Account Number- XXXX I financed a XXXX XXXX XXXX from this company back in XX/XX/XXXX. This vehicle was involved in a hit and run back in XX/XX/XXXX. I purchased gap insurance. The insurance company made a payment of {$7900.00}. Gap insurance was suppose to cover the remaining of the vehicle. They requested a police report which I submitted a partial police report because the investigation was on going because the person who hit my vehicle led the police on a chase and somehow was able to flee the police. So the police report was never finish. This company closed out my gap claim and now for 2+ years have been reporting my account past due. I contacted them to see if they could reopen Gap claim to cover charges and company denied my request. This account has negatively impacted my credit score. The account remains open until today reporting 120 days past due each month which is inaccurate reporting. I am unable to purchase another car or a home because of this account. Thank you for ruining my credit after I purchase gap for this particular reason and it didnt fall through for me.