davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-13
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, 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 2017-02-22
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: ACS Education Services (CO)

As part of a divorce decree, borrower required co-signer assume 100 % of remaining student loan debt. Borrower has never made a payment on loan, payments have all been made by co-signer per the judicial order. Borrow submits the tax credit information on tax returns for self because cosigner has been denied document. Now, 8 years later, borrower has unilaterally increased the monthly repayment amount for no reason other than to maliciously affect co-signer.
Consumer complaint received 2017-02-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Glasser and Glasser, PLC (VA)

I paid a judgment XXXX from beneficial finance served by XXXX and XXXX. this was the amount specified on he judgement from XX/XX/2010. However I have recently been servied a garnishment summons for interest in the amount of XXXX I am disputing this a d asking for verication of this debt
Consumer complaint received 2023-05-14
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. (TX)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc (NE)

I have contacted Affirm multiple times. When using the app, it makes me request credit eligibility to access my account. When I click on links within the app, it generates an email that my loan request was denied. I did not even request any type of loan or credit. This is random and frequently. They are denying loans, Im not even applying for. They also refuse to report my current loan accounts to the Credit Bureaus. They only want to report when people have negative accounts, which is wrong when those of us pay our accounts on time and in full. I feel like this is a very shady company.
Consumer complaint received 2017-02-07
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (CA)

I have submitted three complaints about XXXX XXXX XXXX, XXXX which issued a fraudulent Administrative Wage Garnishment to my place of employment. As a third-party debt collector, they do not have the authority to perform such an action. XX/XX/2016, after the matter remained unresolved, I called what I was told was XXXX. XXXX XXXX XXXX , XXXX claimed that it was operating on behalf of XX/XX/XXXX. After reaching agents in XXXX and requesting to be transferred to a site in the United States, it became clear that I was speaking with Navient, not XXXX. Navient claimed that it is operating on behalf of XXXX. Since Navient is not a guarantor, it similarly does n't have the right to issue an Administrative Wage Garnishment. I requested that Navient provide debt verification or validation. Navient has not done so. Navient is not the holder of a student loan account, and I have repeatedly informed Navient that I do not owe on student loans. The name provided for me is incorrect, and I have demonstrated what my legal name is. I feel that Navient is engaged in identity theft. Had I had student loans and had Navient fka XXXX served as the loan servicer, Navient would have needed to have provided me with payment stubs, the opportunity for IBR and PSLF, and some form of documentation. My only vocation has been a teacher ; therefore, there is no excuse for Navient 's claim that I have a defaulted loan. I have not signed any loan documents, and I did not receive any loan proceeds to attend college. It is not acceptable for Navient to represent itself as XXXX, and it is not acceptable for XXXX XXXX XXXX , XXXX to act on behalf of Navient, while claiming that it is acting on behalf of XXXX. I have filled out an FTC Identity Theft Report, and I want Navient held accountable for their illegal and fraudulent practices. People in this country are committing suicide and suffering from extreme poverty due to the actions of these hideous individuals destroying the financial and ethical fabric of America. The most recent fraud against me happened after erroneous information was listed in my credit report, and XXXX XXXX XXXX, XXXX accessed my information on XX/XX/2016. Although I am working with the Credit Bureaus to have this information corrected, action needs to be taken against Navient for its involvement in this matter.
Consumer complaint received 2017-09-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NY)

I went to the bank and had a wire transfer for {$6000.00} on XXXX/XXXX/XXXX at XXXX as processed. Coinbase INC promised if funds were transferred before XXXX funds would be available within 1 business day. We are now on the XXXX of XXXX. My bank accounts reflects receipt of {$6000.00} and yet have not posted. I have tried everything under the sun in contacting Coinbase and yet no response. 
My contact # XXXX
Consumer complaint received 2023-05-14
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: Interstate Credit Control (ND)

Last year I was the victim of Identity Theft due to a burglary that occured. My laptop was stolen with all my personal identifying information being compromised. I told all banks when this occurred. I also informed XXXX of this and each of the other 2 Credit Bureaus. I've informed The FTC. I've made several complaints to the CFPB this year. I filed a report with the local Police Dept. I've disputed this again and again and nothing is being done. I signed up for their " Identity Protection '' program that is {$24.00} a month for the last " XXXX '' months. XXXX has absolutely done nothing whatsoever to get the fraudulent information off my report. I still see these fraudulent accounts on my consumer credit file. Nobody has verbally asked my permission to provide ANY of my information as I have instructed XXXX to do. I've had my bank accounts compromised. They did not properly do an actual investigation as the FCRA states they have to by law. XXXX has violated my rights as a consumer again and again according to 15 USC 1692 ( b ) ( 2 ), 15 USC 1692 ( b ), and 15 USC 1692 ( d ) for the last 13 months. I've tried to be reasonable and give them every opportunity to resolve this issue. I shouldn't have to continuously have to have my rights as a consumer violated by a company so I have no other choice but to seek damages in court for every violation and for damages because of their blatant disregard for the laws that they should abide by. I wanted to be sure that I properly notified this Department of their incompetence once again as I have several times this year. Rental Research Inc, XXXX XXXX are included in this as well and made the same violations against me.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

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 2017-02-09
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Account Resolution Corporation (MO)

This company Account Reoslution Corp in XX/XX/XXXX concluded via a dispute directly through XXXX and XXXX that this debt was invalid and removed it from both reports as of XX/XX/XXXX. On XX/XX/XXXX this account was reinserted to my XXXX report, reporting a balance of {$260.00} which is not my debt. I also was not notified of this debt before it was reinserted.
Consumer complaint received 2017-02-21
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ORG GC GP BUYER, LLC (CA)

A company by the name of GC Services called and said I owed them {$1100.00} for a student loan I have never had. All my schooling was paid for by the XXXX XXXX. The person I spoke to was XXXX XXXX and he said payment must be sent immediately or it would affect our credit. They were rude, demanding and knew my full social security number and birthdate. I told them it was not mine but did not want to speak too much since they record everything and seemed very strange to me. I recently found out they are scam. DO NOT SEND THEM MONEY or continue any type of conversation with them.
Consumer complaint received 2023-11-08
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

This account was opened fraudulently.

This is a Violation of 15USC1611. The debt is not mine own. Rightfully I should not be held accountable for someone else using my information. I have provided FTC affidavits and proved that such allegations are false. Per 15 U.S. Code 1611 Criminal liability for willful and knowing violations.

15 U.S. 1681 - The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

15 U.S. Code 1692K - The FDCPA, or Fair Debt Collection Practices Act, find its teeth in section k which imposes civil liability upon any person or business who violates the FDCPA.

Section 812 - It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.
Consumer complaint received 2024-10-31
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

Over 5 months in XXXXXXXX XXXX XXXX  I submitted CFPB Case : XXXX to Capital One informing them that account XXXX was not in compliance to the FCRA. They sent a response letter saying that they confirmed that this account is reporting accurately contrary to the different dates listed for the date last active and date last reported. I even tried to take this up with the CRA 's in which they responded that they only report what is furnished to them by the creditor. So, my question is, how are you furnishing different information to the CRA 's? In order to verify that this information is accurately reporting, I am requesting specific documentation that establishes the accuracy and legitimacy of the account in question. Please provide : Original Account Agreement, Account History, Charge-Off Statement, Proof of Balance and Itemization, Date of First Delinquency, Chain of Title for Debt Purchases, Policies and Procedures Documentation. These documents are within my rights to request under the Fair Credit Reporting Act, which mandates that all reported credit information must be accurate and verifiable. If you fail to provide this information, this account must be removed immediately. I also have the right to escalate this complaint through legal channels.
Consumer complaint received 2017-02-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: TCF FINANCIAL CORPORATION (OH)

My Mortgage Loan and Equity Line of Credit Loan were purchased in an acquisition by Chemical Bank based out of Michigan. For the last five months I have made my payments on time however they ca n't seem to post the proper information to my account. Notified each and every month since they have acquired XXXX and every month I receive a different story. They have posted my payments improperly and continue to charge interest never making an adjustment simply telling me they will get it corrected. This month for example my payment due date is the XXXX and due no later than the XXXX. I made my payment on the XXXX carried into the branch and today I receive my statement dated the XXXX that I am past due by one payment. Of course they continue to charge interest based on the statement of the XXXX. Today when I contact them I am told they are required to send out the notice and or statement 10 days after it is due however in prior months the statements are dated the XXXX of the month. Now all of a sudden if payment is not received 10 days after the due date they will consider it to be late. The terms continue to change. On my original loans my payment stub read due on the XXXX and if paid AFTER the XXXX a late fee would apply. They conveniently changed their coupon slips to read that if the payment was made ON the XXXX that a late fee would apply. No notifications sent to the consumer and defending this action by telling me that this was a mandated Federal requirement. I have made payments on my accounts and they posted it all to principal then send me a statement the following month telling me I am past due and that I owe additional interest. Every month is a different set of problems and a different set of terms. I have been paying on this account for going on the 12th year and have never been late and never had a problem, THAT IS until these folks acquired the loan. How many folks are they gouging for late fee 's that do not realize it. How many folks are they posting improperly to the account to generate additional interest and folks do not realize it. I am tired of the aggravation monthly and am tired of the EXCUSES!!!!!
Consumer complaint received 2023-05-14
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. (CA)

These accounts 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 XXXXXXXX. These accounts is canceled debt the companies has filed them on there taxes. They are also reporting on my credit as debt which doesn't make sense at all. If a charge off consider ordinary income how could it be furnished on my credit as debt. Now the IRS mentioned that these companies suppose to send me a 1099 form so I could file ordinary income. This is a violation 15 USC 1681eb. It speaks on maximum consumer report they have to be deleted. Thank you and have a very blessed day.
Consumer complaint received 2017-09-07
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (FL)

On X/X/17, Transworld collection agency called a random contact from my cell phone. This contact was a friend who is in bed with XXXX. This debt was not valid and was waived supposedly by the original company. Should not have even reported in the first place. However, Transworld called multiple times a day on my phone and my husband 's phone. They used many different phone numbers, that were untraceable, and could not be called back. When I ask them about the friend that they use to track down, they said they used skip tracing, and will not transfer me to a supervisor or manager. This is illegal, and we were harassed for three months by Transworld.
Consumer complaint received 2017-09-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIBANK, N.A. (CA)

We tried to payoff the account and were told there was no account yet there is a lean on the property. We have been trying for almost three weeks to close escrow yet Citibank wo n't respond to requests for payoff.
Consumer complaint received 2024-11-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK (TX)

On XX/XX/2024, Discover bank notified me about possible fraudulent charges. There was 3 charges. 
XXXX. XXXX - {$10000.00} - XXXX XXXX XXXX XXXX. XXXX - {$9900.00} - XXXX XXXX XXXX XXXX. XXXX - XXXX - XXXX XXXX XXXXXXXX XXXX XXXX  Discover Bank did send me a statement of unauthorized debit for all 3 transactions. Discover Bank did refund me for the first 2 transactions ; however, I was notified that they would not refund transaction XXXX ( {$5700.00}, XXXXXXXX XXXX XXXX ). According to Discover, there was " No indication of account take over, No indication of unusual online activity, and Transaction is going toward a service or account that benefits the account holder ''. That same notification said that I would be entitled to the documents that were used to make this decision. 
After calling Discover Bank, I was told that I owned the account at XXXXXXXX XXXX XXXX that the money was transferred too. I have never knowingly been a customer of XXXXXXXX XXXX XXXX I did ask for the documentation used by Discover to make the decision to to refund this transaction, but I was told that no documentation existed for this case. I was told to call back in a couple of days to get a trace ID of the transaction. In the mean time, I was instructed to call XXXX XXXX XXXX and get proof that I am NOT a customer of the bank. 
I did calXXXX XXXX XXXX XXXX and when they searched my name, they found I did not have an account with them and have not had an account with them for at least 3 years. Unfortunately, they were unwilling to actually send me any documentation to prove this, probably because I am not a customer of XXXXXXXX XXXX XXXX 
When I contacted Discover two business days later, I did receive the trace ID for the transaction ( XXXX ). When I relayed that information to XXXXXXXX XXXX XXXX  there was no record found of the transaction. Again, I could not get documentation of this, only verbal confirmation on the phone. I do have a reference number for the phone call with XXXXXXXX XXXX XXXX confirming no records ( XXXX ), but Discover bank is unwilling to use that info, they need physical documentation. 
At this point, I just end up going back and forth between banks. Discover will not reopen the dispute without documentation of me NOT being a customer of XXXXXXXX XXXX XXXX  ( I did upload a FTC Report of the case to Discover, Report # XXXX ), and when I contact XXXXXXXX XXXX XXXX they are hesitant to work with me because I am not a customer. They say that Discover bank needs to investigate this through the proper banking channels ( which I tend to agree with ).
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. (PA)

I called XXXX as well as XXXX to dispute a number of hard enquiries that I did not authorize and have no knowledge of. I was told on two seperate occasions that the enquries would be removed and that I would receive email notification of the deletions. Nothing has happened as of yet. I informed them both that I was actually in XXXX  at the time of most of these enquiries. I recently lost all personal documents in a house fire, so exact dates of these calls can not be given.
Consumer complaint received 2017-09-07
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Kashia Services (PA)

I was going through a hardship and had some unexpected expenses. In order to make my vehicle payment, I took out a {$400.00} pay day loan back in XX/XX/XXXX. I have been paying {$68.00} a week ever since. I called on XX/XX/XXXX in order to determine how much money I had left to pay of this loan. They informed me I still owed {$450.00}. If I wanted to pay off the loan it would cost me {$500.00}. To my surprise the have not applied any funds to the amount that I have borrowed. I have paid this company aprox. {$810.00}. I asked according to their calculations when would my loan be paid off they told me oh not until some time next year. This is a complete scam.
Consumer complaint received 2017-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

Credit Bureau is reporting inaccurate information on credit report with XXXX XXXX
Account went from OK XXXX-XXXX, LATE XX/XX/XXXX, CHARGED OFF XX/XX/XXXX NO DATA XX/XX/XXXX-XX/XX/XXXX, BACK TO CHARGE OFFXX/XX/XXXX, BACK TO NO DATA XXXX-XX/XX/XXXX, BACK TO CHARGE OFFXX/XX/XXXXXX/XX/XXXX CHAGED OFF ON SEVERAL OCCASIONS