davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-13
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: TD BANK US HOLDING COMPANY (NJ)

My name : XXXX XXXX XXXX type : TD Bank Credit Card ( visa ) Account number ending in : XXXX Social security : XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX NJ, XXXX Dear CFPB, I am a customer of TD bank. On XX/XX/XXXX, I was charged {$180.00} for a XXXX XXXX XXXX XXXX transaction I never authorized. 

Ive called TD Bankss fraud department more than 10 times but no one ever answers my call. During every call, Ive been placed on hold and have waited multiple hours, altogether, without a response. 

Thank you, XXXX XXXX Ive never had an experience like this with any bank Ive done business with. 

Id really appreciate it if someone can help me sort this out. 

Thank you so much for taking the time to read my complaint. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-06-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hayt Hayt & Landau, P.L. (FL) (GA)

A letter was sent from this company I've never heard of claimed I owed money. I responded with a letter requesting paperwork that bears my signature. The company sent back old statements from a credit card. They've ignored my request and are in violation of the FDCPA. 
Furthermore, they have misrepresented themselves sending letters under various LLC 's and different companies. I have no contract or financial obligation with any of these companies.
Consumer complaint received 2022-06-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

This about Paypal, i was sent a email that XX/XX/2022 from them that i can no longer do business with Paypal because of a violation of paypal acceptable use policy. I called them immediately and the person on the phone could not tell me why but i can not use the service. I told them you should be able to tell me and at this point i had no idea what happen. Then i get a 2nd email on XXXX XXXX that the services are limited temporary so i called again and really could not get any where. On XX/XX/XXXX i get a email of a open case because of a delay in my response to a buyer. Finally, they started saying i have a businss and selling stuff. I told them I have never owned a businsess and do not sell anything on paypal. Somebody was requesting a {$6.00} refund for something i have no idea what it was for. I told paypal that is fruad, but they do not listen or pay attention. They started sending me emails to restore my account so they wanted me to give them a temp username and password for my business and remove paypal from the site. I do not have a temp user name or password to give, cause i dont have a business. i am frustrued and angry that NO one will listen to me. I told them if some one is requesting money from me or a service prroduct that is FRAUD. So to help this ther operson that is doing FRAUD they refurnd their {$6.00}. I did tell Paypay that on XXXX XXXX that i purchsed a movie service with XXXX and I used my payplay account to pay, I inadversly submitted the payment twice because I thougth it did not go thru. That money has been refunded to my paypal balance but they will not let me get it. I asked could this be maybe the reason by account is limited but they NEVER could help at all. I keep getting a email to restore account and I keep giving the same info and nothing ever happens. I need my paypal account restored and my refund to, There are several XXXX transactions that i have no idea what that is far. No one knows anything, I did speak to a person about 2 weeks ago that was all eager to help and i did what they said and nothing happen. {$14.00} refund is for me
Consumer complaint received 2022-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I looked on my credit report and saw there's a bankruptcy being reported without my consent. This unauthorized reporting has caused me financial damage and great stress! I was recently denied approval of a HELOC due to this intrusive reporting! 

XXXX XXXX Bankruptcy Case Number : XXXX Transunion is also in violation of 15 USC 1681 ( a ) ( 4 ). A consumer reporting agency can not furnish any information on my consumer report without my written instruction.
Consumer complaint received 2022-06-22
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (FL)

I opened loans with Sallie Mae from XXXX. Once I graduated from my University, I called Sallie Mae to discuss payment options and matching my loans to my current salary. Sallie Mae proceeded to tell me, my loans were private and there was nothing that can be done to match my loan payments with my salary, which was news to me, as I thought my loans were federal not private. At the time my loans were more than my bi-weekly salary.I did my best to make my payments, and always attempted to make them on time no matter what situation I was placed in. Sallie Mae again, told me there was nothing we can do. Every year I called Sallie Mae to continue to work with their loan company so I can fulfill my payments on a timely manner. After I had called multiple times, the option Sallie Mae provided me was to do a deferment for 6 months until I could save up to make my payments. The following year, around XXXX, Sallie Mae suggested I go into forbearance and that I could do so for 1 year. Each time, I asked if there was a way to reduce my payments or refinance them so I can make my payments and I was told repeatedly no. With that, I listened and went into the year long forbearance, and was not told the impact these would have on my credit and my financial needs and how it would further my debt, as now I have {$110000.00} of private student debt with Sallie Mae and I am unable to qualify for any repayment options or refinancing. I even called this year, and they still tell me there is nothing I can do. I am a single individual who has been trying to do the right thing, and due to the guidance Sallie Mae has provided and not being upfront in-regards to the loans i applied for being private and directing me in the wrong direction, as well as not willing to work with me from the moment I graduated, they provided poor direction and guidance which has furthered me into more debt. From reading the guidelines of the XXXX XXXX XXXX, I fall under the descriptions that have been filed with this lawsuit and should be eligible for my private student loans to be waved. I would greatly appreciate you can consider me as one of the qualified individuals. Thank you so much.
Consumer complaint received 2022-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

There is information thats on my credit report that is a result of identity theft. I did not provide written information or instructions for the identified transactions to be report on my consumer report. I am requesting that the report of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : 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 These transactions should be removed according to 15 U.S. Code 1681c-2. You are required to do what I am asking and block these transactions from being report to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. Thank you.
Consumer complaint received 2021-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (TX)

I called and spoke with A supervisor who was rude, disrespectful anx hung up in my face by the name of XXXX agent ID numbe - XXXX. I have expressed I have been unable to get my credit report or see any of my information and she stated I had to submit my drivers license which I have done prior. I explained to her I have completed that process and this company has refused to resolve the issue. This has been going on for over A year now! I informed them my last name was no longer XXXX and had been changed to XXXX and I provided my drivers license as proof. They have not updated any information in their system and instead keep asking me to resend the same Drivers license I have already sent now 3 times! I was A victim of fraud and need to have access to my credit report to go over. I have been unable to access it threw my XXXX XXXX  i have been unable to access three myequifax profile. And I am out of options.
Consumer complaint received 2022-06-22
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: CLGF Holdco 1, LLC (ND)

I received a bill on XXXX XXXX from Destiny bank for a card I never applied for. It carried a balance which included a {$170.00} service fee and {$5.00}. When I called to request the account be closed because I never requested a card from this company that constantly send me pre-approved notices, they refused until I sent a picture of my Drivers license or State ID. I refused because they could not provide me with any relevant information other than my address to verify. The agent claimed they must have received a picture of some type of ID from me or they would not have opened the account, yet refused to close it when I requested it be closed... Since I never requested it be opened.
Consumer complaint received 2020-11-27
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Midwest Acceptance Corp. (MO)

On XX/XX/XXXX a judgment was filed under case number XXXX from MIDWEST ACCEPTANCE for XXXX which included Principal, interest, attorney 's fees, court costs and process server fees. The first garnishment came out of my check XXXX XXXX XXXX on XX/XX/XXXX to XX/XX/XXXX totaling {$14000.00}, which that means they owe me the difference of {$2200.00}. Per case net it shows that Balance due as of XX/XX/XXXX was {$0.00}. After this judgment had been met including all the interest payments Midwest Acceptance and their attorney 's office came back on XX/XX/XXXX for a judgment amount of {$4500.00} in which they garnished out of my check on XX/XX/XXXX {$280.00} and will continue until this predatory collection activity STOPS! Also, they sent certified postal mail to an address we never lived at a day in our life XXXX XXXX  XXXX XXXX # XXXX, XXXX XXXX, MO XXXX. This judgment was previously satisfied then when I called on Monday, XX/XX/XXXX they said it was interest payments however the interest was paid that was included in the original judgment amount. Midwest Acceptance is also garnishing my wife 's checks XXXX XXXX XXXX for the same vehicle when the judgment was previously satisfied by me, when she had a order of dismissal to dismiss without prejudice at Plaintiff 's costs. Also they never put in the system SATISFACTION OF JUDGEMENT BACK IN XX/XX/XXXX when the Balance had been met. My wife 's judgment was filed on XX/XX/XXXX in the amount of {$9600.00}, which also included Principal, Interest, attorney 's fees and court costs. This garnishment started on my wife 's check XX/XX/XXXX and so far has collected a total of {$800.00} now making the difference of what is owed to myself XXXX XXXX XXXX and my wife XXXX XXXX XXXX {$3000.00}. This is definitely predatory and they are not doing anything to stop collection activity. This has really been damaging to our credit and has caused punitive damages as well and we won't our money back and garnishment activity to cease. PLEASE HELP!! 

Thank you
Consumer complaint received 2023-01-29
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 act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX Account # XXXX Account name : XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX 15 USC 1681 section 602 A states : I have the right to privacy.

15 US 1681 section 604 A Section 2 : states a consumer reporting agency can not furnish an account without my written instructions 15 US 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 US 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 information is inaccurate.
Consumer complaint received 2021-09-24
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. (MA)

On XXXX, Original Creditor : Not Available Creditor Contact : Not Available, add a derogatory mark on my credit report per Score sense. Upon farther research, this account was transferred and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this account debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say that its mine. According to the FCRA, ( coll Agency and Credit Reporting Agency Name are violating my rights as a consumer and I'm requesting legal action to remove this account immediately
Consumer complaint received 2022-06-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (CO)

Chime Financial , Inc.

About three months ago a tenant sent me a payment through chime. Annoyed I linked a bank account and withdrew the funds. I did not realize Chime was sending a debit card to me. I dont want a debit card from Chime. 

The tenant made a subsequent payment about a week ago. Chime wont let me withdraw the funds without activating the debit card. I asked customer service via chat to release the funds. They refused unless I activate the card. I now have an account I dont want and they are forcing me to have a debit card to withdraw funds.
Consumer complaint received 2022-06-22
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. (CA)

I am a concerned consumer and my credit report is not reporting 100 % maximum accuracy and it has caused me a great amount stress, I can not get approved for anything and I becoming suicidal due to the fact my information is in someone else 's hands and is not being investigated properly and being misused. Transunion, XXXX, and XXXX keep stating these accounts are verified that they are all reporting accurate which is false, they all hold different information on each bureaus, In accordance to something called the Fair credit reporting act XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXXXXXX Account # XXXX, XXXX XXXX Account # XXXX, and XXXX  XXXX XXXX Account # XXXX has all violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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 with out my written instructions.
Consumer complaint received 2022-06-22
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. (MD)

N accordance with the Fair Credit Reporting act XXXX  act # XXXX, XXXX, XXXX, XXXX, has violated my rights 15 U.S.C 1681 section 602 A States that 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 2020-11-27
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. (UT)

1. My loan is fraudulent 2.they do not have original mpn 3. it does not have my signature 4. I have filed complaint with DOE and FTC 5. College had me sign a contract under false pretenses they told me my credits where able to transfer when they werent. Its been under investigation for over a year still damaging my credit.
Consumer complaint received 2022-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Today, I spoke with a Transunion agent as I was trying to get to the FRAUD unit to dispute two inquires that fraudulently appeared on my credit report because a freeze had been lifted. I told the agent of my concern that there was still access to my credit file even with the FREEZE. I asked if there was a system like XXXX, where I could setup a security code to stop anyone from accessing my report. The agent said he didn't do that in his unit, I had to be transferred to the FRAUD unit to dispute the XXXX XXXX XXXX and XXXX XXXX inquires. I asked to be transferred and he said he could not do that. When asked why, he said I didn't have a legitimate reason to be transferred. When I asked for a supervisor, he hung up on me. I am asking Transunion to allow me to use a special code in order to access my report and remove the FREEZE. This way no other fraudulent inquires will appear. I am asking Transunion to remove the fraudulent inquires of XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2021-02-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION (AZ)

Recently, I recently received a copy of my credit report which showed unauthorized inquiries, and accounts that were not opened by me and I did not authorize. I do not have any knowledge of these accounts being opened and affirm that they were opened fraudulently, and any unknown contract bearing my WET signature is fraudulent and was not signed by me. I don't have any knowledge of these accounts being open, any contract bearing my WET signature is fraudulent and was not signed by me. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it. The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act. Respondent, please have the following accounts removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.
Consumer complaint received 2022-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



XXXX EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXX XX/XX/XXXX Collections : XXXX XXXX Experian ADDRESS : XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX, AZ XXXX EMPLOYER : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX EMPLOYER : XXXX XXXX XXXX Inquiries XXXX XXXX XX/XX/XXXX Collections : XXXX XXXX
Consumer complaint received 2021-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (CO)

I submitted a dispute regarding two 30 day late pays, XX/XX/XXXX and XX/XX/XXXX. Due to the pandemic, my XXXX  was unable to make it and we had to shut our XXXX down. I contacted US bank to let them know that I was going to be late on my payment. It was current and made current the following month. Per the Cares act, Public Law No : 116-136 ( XX/XX/XXXX ) Coronavirus Aid, Relief, and Economic Security Act or the CARESAct - SECTION 4021 The Cares act requires the account be reported as current, i.e., the payment history field should be reported as " OK '' not being past due.

I did not receive a response from them and my account is still reporting the late pay. They are in violation of this federal Law.
Consumer complaint received 2021-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: AMERICAN HONDA FINANCE CORP (CA)

I traded in an existing Honda lease a year early to get into a new vehicle. Honda Financial told me that I would receive letters in the mail explaining how to create a new account fo the new leased car. I did not receive any email, phone call or mail correspondence. I received a phone call on XX/XX/2021 stating that I was 3 months delinquent on payment. I paid the unpaid payments over the phone that day. 

The representative on the phone with Honda Financial stated that they had an incorrect address in their system. I am in perfect standing with every payment my entire life. Due to Honda Financial 's error, My credit score has dropped by 100 points. I should not be penalised for this mistake. 

Please help, thank you!