davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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.

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 2020-04-23
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (GA)

I had a pass due amount of {$310.00} on the XXXX of XXXX. 
This came up after I was denied the income driven plan! I think it was two to three weeks after I worked as a waitress and lost that job and found work with XXXX and dealing with other bills like my car bill, utility bills and phone bill. 
I thank God my car lender was able to give me a three month extension over the COVID 19 and that, I did find another job considering the fact my car insurance renewal was coming up and they gave me up until XXXX to make that payment. 
I dont know whats really going on with FedLoans because, I tried getting the help I needed from them, way before we even knew about this Coronavirus.
Consumer complaint received 2022-07-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (PA)

Naviant has made it really difficult for me to be able to be able to provide accurate dates of when all of this has transpired so I am going to do my best. Over the last few years I have been making overpayments on my student loans. I have XXXX separate loans that are with Naviant that I made XXXX lump sum payment to them monthly to satisfy. When I was making my overpayments I was specifically selecting to not defer my existing payments so I continued to pay my full amount plus whatever extra I had. Additionally I would specify which loan I wanted the extra money to be allocated to. The first time they double charged me I let it go, it wasnt much money and the customer service agents would not listen to me about my overpayments and how I made sure to select all options to continue to be billed my normal amount but they said it was a system glitch and more or less they couldnt do anything about it. The second time this happened they tried to double charge me for the entire amount of my payment. Normally during this time I would pay Naviant around XXXX dollars, so when they wanted another XXXX from me in the same billing cycle I just simply couldnt let that go, I didnt have the money. I had to call and email and pretty much cry and lose my mind how I wouldnt afford to pay them twice before anyone resolved the glitch that happened in their system again. I was then chastised for not only making over payments, but for paying my bill when it became available on their site to pay. They advised that if I did not wait a few days and tried to pay too quickly they couldnt guarantee the system would glitch out again and essentially double charge me again and they cautioned that this wasnt something they would be able to fix nessacsrily every time. In light of recent economic impact on my loans and them going up again I am so afraid that they are going to put me in that position again for even more money. Please help. Attached is one of the examples of an overpayment that I was unsuccessful in getting them to understand was not a correct charge. All additional messages on the matter are also not available in my inbox so I find it suspicious they make you communicate with them via their mailbox but dont give you a way to see those past conversations..
Consumer complaint received 2023-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (DE)

On XX/XX/22, I went to a gas station in XXXX, XXXX, XXXX called XXXX XXXX  XXXX. They wouldnt take my credit card at the pump, so I had to go into the store to pre-authorized XXXX  XXXX  for gas. I filled up XXXX dollars worth ( I do not remember the exact amount, but I was only topping off a small tank [ XXXX XXXX ] ). I shouldn't have been charged the full amount and I didn't know this until I saw my billing statement showing I was charged the full XXXX. There is no way that my car would even take that much worth of gas if it was totally empty, so its totally impossible that this could even have been a valid charge. 

If the merchant wants to go back and check their records on the date of the transaction, they can look up and see my car on their video cameras and see how much gas I used. I have never disputed a transaction like this as it has never happened to me before. As far as I can tell this is total fraud on the merchant 's part and I should be contacting the police. All I am asking is to get my money back. 

I disputed this charge with Citi. They said they asked the merchant to accept my dispute, but that the merchant wouldnt accept it, so Citi declined my dispute. I appealed, went through more explanation ( sharing the above statements with them ), and the same thing happened the merchant declined the appeal, so Citi has re-issued the charge on my credit card. 

I DID NOT RECEIVE the merchandise paid for, only partial merchandise ( gas ). Thus my request is justifiable and I ask for the help of CFPB to force Citi to take the correct action here. After all, its client XXXXXXXX XXXX XXXXXXXX has committed a fraudulent transaction and I shouldnt be on the hook for this. 

MORE than happy to provide any additional information you may need.
Consumer complaint received 2020-08-04
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: EQUIFAX, INC. (FL)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2020-04-23
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. (IN)

My credit report ( XXXX  TransUnion, and XXXX  ) are reporting collections information from a company called XXXX. The additional information being supplied by XXXX contains information about where and when I received healthcare. There is not an original HIPPA release form on file. Because the name of the place where I received service is also reported, it reveals very personal information and in this case is a HIPPA violation.
Consumer complaint received 2020-04-23
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. (IN)

My credit report ( Experian, XXXX, and XXXX  ) are reporting collections information from a company called XXXX. The additional information being supplied by XXXX contains information about where and when I received healthcare. There is not an original HIPPA release form on file. Because the name of the place where I received service is also reported, it reveals very personal information and in this case is a HIPPA violation.
Consumer complaint received 2020-04-23
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. (TX)

Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes. 

REMOVE THE FTC VIOLATIONS
Consumer complaint received 2022-06-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: GOLDMAN SACHS BANK USA (CO)

On XX/XX/2022 I decided to apply for a loan with Marcus by Goldman Sachs after receiving several prior mail advertisements. I spoke with a representative on XX/XX/2022 due to company needing more information in which I provided. I was then informed that I will receive a call within 1 to 2 days if more information is needed or to inform me of the decision made by company after review process. However, I never received a call, so I placed a call on XX/XX/2022 in which I was told the application was still under review and to allow more time. I then placed the follow up call on XX/XX/2022 in which I was told that my application had been denied and to wait on denial letter in the mail. I received denial letter in the mail on XX/XX/2022 that was dated XX/XX/2022. To my surprise, the reason for denial was annotated as " Unable to verify identification information '' which I feel to be unacceptable due to never receiving a call to ask for any additional information as discussed on XX/XX/2022 or to obtain any information regarding my identity. From my prior experience as a loan processor and banker dealing with the loan process, understanding my credit situation, and knowing that I am who I am, I can't understand why this would be the reason for a denial. I called Marcus by Goldman Sachs on XX/XX/2022 to inquire about such determination in which I was told by two representatives that they can't tell my why this was the reason selected, and I was advised to call Goldman Sachs directly. On XX/XX/2022, I called Goldman Sachs who listened but transferred me to a supervisor with Goldman Sachs who only could say that the reason for the denial could be due to information on my credit report being different from my application. I informed her that could not be the case as I check my credit report daily and everything is up to date, and then she apologize for not knowing the exact reason for the denial and went on to tell me to just apply again in 30 days. She also stated that no reconsideration could be done since the application had been closed already even though I informed her that I never received a call back as promise in the first place within the 1 or 2 days on XX/XX/2022. After attempting to resolve this with the company with no attempt of correcting the situation, I decided to file this compliant as I feel that this falls under unfair lending practices and could be a bias decision based off of XXXX discrimination.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

On XX/XX/year>, I submitted a formal notice through the Consumer Financial Protection Bureau ( CFPB ) regarding fraudulent accounts on my credit report. in complaint iD : ( XXXX ). According to 15 U.S.C. 1681c-2, your agency is required to block fraudulent information within four business days of receiving such notification. As of today, XX/XX/year>, more than four ( 4 ) business days have elapsed since my initial submission, yet this fraudulent information remains on my report. You have failed to comply, leaving this information on my report in violation of the Fair Credit Reporting Act ( FCRA ). This disregard for FCRA timelines constitutes willful and negligent noncompliance under 15 U.S.C. 1681n and 1681o. Additionally, by failing to ensure the accuracy of my credit report, your agency has also violated 15 U.S.C. 1681 ( a ) ( 2 ), which mandates that consumer reporting agencies adopt procedures to assure maximum possible accuracy of the information they report. I have suffered significant harm as a result, including denial of credit, employment, and severe damage to my reputation. 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 In light of these ongoing violations, I demand immediate deletion of these fraudulent accounts from my report and written confirmation of your compliance within 10 business days. I also reserve the right to pursue damages for the harm caused to my financial standing and reputation. Please be advised that if this matter is not resolved promptly, I will pursue legal action to enforce my rights under the FCRA.
Consumer complaint received 2019-08-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (MO)

Someone used my information to open an account with XXXX XXXX XXXX XXXX.I filed a police report on the matter. XXXX XXXX XXXX is now reporting the account on my Equifax Credit Report under account XXXX for {$410.00}.
Consumer complaint received 2022-06-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc (MS)

XX/XX/2022, I contacted Chime to close my Chime account due to my card being lost. To my acknowledge, my account was permanently closed. XX/XX/2022 I became aware of Identity Theft on behalf of my XXXX yr old son and I. Through my XXXX account, I was able to find out that my closed Chime account was on XXXX XXXX I also discoved that my closed Chime account was on my credit and have been ACTIVE since XXXX XXXX. I contacted Chime XX/XX/2022 about my closed account and was told by customer service representative XXXX that the account was closed. I recieved an XXXX email same day stating that my request has been received and was being reviewed the member service team. As of XX/XX/2022, I have yet to hear anything back from Chime.
Consumer complaint received 2022-06-24
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 4. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

5. Validate Account XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2020-01-28
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: CITIBANK, N.A. (CA)

CITI CARDS/CITI BANK XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX AND XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I submitted a request for removal of these inquiries years back but they continue to remain on my report.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

Recently i did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below.

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. 

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Consumer complaint received 2022-06-24
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. (LA)

15 U.S.C 1681 section 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 without my written instructions 15 U.S. Code 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Several inaccuracies in reporting as per FRCA guidelines
Consumer complaint received 2019-02-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CFM Group LLC (NJ)

We were operating under a license from XXXX XXXX XXXX and terminated our relationship with them as of XX/XX/2018. We then terminated our business with one vendors, XXXX, who continued to bill us after termination of service. 

Now, we have collection agency demanding payment for services/products that were not provided to us. 

We have asked this company to stop contacting us, yet they continue to do so. 

CFMGROUP, LLC XXXX XXXX XXXX XXXX, GA XXXX We do not owe any debt to the original vendor nor to this agency.
Consumer complaint received 2023-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (CO)

Hello, in the month of XX/XX/XXXX I went into a bank XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, CO and spoke with a Banker named XXXX XXXX. The reason for me coming in was because I needed to see if someone could assist with getting a ChexSystems inaccuracy removed. XXXX and I spoke with a representative from the Claims department who told me once I cleared a {$36.00} balance I had an a second old account, the report would be removed from my ChexSystems account for the account number ending in XXXX with a closure date of XX/XX/XXXX. After my request for clarity, the banker confirmed what was said, and the XXXX re-confirmed once I cleared a {$36.00} balance I had an a second old account, the report would be removed from my ChexSystems account for the account number ending in XXXX. 

In XXXX when this account was opened, I was a victim of a XXXX Scam. I was asked to open this account for the purpose of depositing my wages I would have earned weekly. I remember being told I'd make $ XXXX {$1000.00} weekly, and when the deposit came, I contacted the bank to report it as it was an outrageous number I was not expecting. No money was taken from the account, and it was then frozen. These same fraudsters are responsible for filing taxes in my name, as well as attempts of trying to obtain credit, as noted in my Identity Theft Report with the FTC resulting in various fraud alerts placed on my credit profiles to protect me, and even a freeze on my ChexSystems file. 

The issue I'm having is since the payment for the {$36.00} was made, I have been sent in circles from Risk Closure, Fraud, and various other customer service departments, some saying no one can help me ( paraphrasing ) and others saying what the claims rep told XXXX and I should be honored. On XX/XX/XXXX I finally contacted the Risk Closure department, and they told me I'd need to dispute the information with ChexSystems and it will then come off.
Consumer complaint received 2024-10-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/year> Bank of America garnished my account in Florida of which I am a resident with a subpoena for information provided for them by NY attorney XXXX XXXX from the civil court of NY on XX/XX/year>. They did not obtain a writ of execution or a domestication order from the clerk of courts of XXXX XXXX Florida of which i am a resident allowing them to garnish my Bank Of America account. When I went to bank, they told me to call the law office of XXXX XXXX and ask them to send me the paperwork, that when BOA receives a subpoena, they hold the funds. Again it is a subpoena for information, and not a Writ of Execution. They have already released the funds to the attorney. I need proper documentation that shows me they followed the banking laws for garnishment for Florida. Also, when I asked the bank manager, she informed me that, the released the funds because my account was originally opened in New Jersey, so this is why they released the funds. I told her, but for the last 5 years I've lived in Florida, she said it didn't matter. One issue with that, my account was actually opened in Florida, in XXXX to be exact. They were not helpful, and they broke Florida XXXX XXXX,