davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HEARTLAND PAYMENT SYSTEMS INC (IL)

My XXXX report shows a 30-day late payment for in XX/XX/XXXX my student loan serviced by Heartland ESCI in conjunction with XXXX XXXX University. XXXX XXXX was the direct servicer prior to that. When they entered the agreement with Heartland they released all auto-pay features and provided minimal details on how to make our payments to the new servicer or showed when they were do. The transfer of service occurred starting with the XX/XX/XXXX payment. Moreover, I still managed to make the XX/XX/XXXX payment in a timely manner, and in fact was charged twice. If it was for the XX/XX/XXXX payment, then that was because the new servicer had never alerted me, nor had either provided a means of access to the account. They made it an absolute pain in the behind to arrange a new auto-debit. Just look at my payment history, XX/XX/XXXX was never late. The missing payment there happened during my 60-day service transfer window mandated by federal law. 
Thanks
Consumer complaint received 2017-08-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (TX)

This is not my account and i was repeatedly harrassed to pay for this account debt!!! I have asked politely to be removed from the contact list and to remove the account but im constantly being ignored. THIS IS NOT MY ACCOUNT AND I WISH TO BE LEFT ALONE! They have no proof of me physically coming to get an account and therefore i shouldnt have to pay for anything i didnt get a product from. PLEASE REMOVE THIS ACCOUNT IMMEDIATELY IM SICK OF THE HARRASSMENT!
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

I am a victim of Equifax 's security breach. I now have to spend money to protect myself and my credit because of Equifax 's negligence - specifically to freeze my credit until I can determine the extent to which Equifax has allowed my information to be disseminated.
Consumer complaint received 2023-07-13
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. (FL)

XXXX finance is reporting fraudulent information to credit agency 's due to a ongoing dispute between us. 1 : I tendered payment and they did not like my payment that is acceptable under the current laws, Debt is discharged = period 2 : They never loaned anything and are not holders in due course of my " instrument " contract they sold it " securitized it on the market. 
3 : They wrote off XXXX when there was only XXXX left and they removed my property and still never returned it or informed me about any sale therefore how can they post false, incomplete information. 
They are damaging me by multiple reporting, Amount, times, and charge off causing a XXXX point impact on all 3 agencies and causing emotional stress
Consumer complaint received 2023-07-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

Previously filed a complaint with you regarding Capital One fraud attenmpt to collect {$7600.00} in fraudulent cash transfer claim. Referfernce CFPB # XXXX. 

I thought you had resolved this attempted action to tap my checking account for over {$7600.00}. Capital One issue me a new credit card in responds to my filing a complaint with you. I thought this card was cleared of the fraudulent transactions, only to find they flipped all the fraudulent transactions on to this card. they used this cards number to access my XXXX XXXX checking account for a payment in XX/XX/2023. XXXX XXXX took this payment back. They again went into my checking account in XX/XX/2023 using a Walmart " Merchant '' number and took out more money, which XXXX XXXX took back. 
XXXX XXXX advised me to close the checking account I've had for over 20 years as they can not stop Capital One from using the " Walmart Merchant '' numbers to access my account, as they have thousands of them. 

XXXX XXXX continued to harass me by posting false claims regarding this issue on every Credit Bureau service. Destroying my credit rating, that before Capital One attempts at Bank Robbery was over XXXX, and now in in the low XXXX. 

To add further harassment, they have turned over this fraudulent claim to a collection bureau, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, MN XXXX. 

I am XXXX, sick and need your help!!! Please Stop Capital One NOW! They shouldn't even be allowed in this country! They obviously are breaking the law in attacking my bank account and credit report repeatedly. XXXX XXXX has never received a cash transfer from Capital One to my checking account. For ANY amount. Not {$5200.00}, Nor {$2400.00}. These amounts were NEVER posted to my XXXX XXXX accounts!!!!!! AS I reported to you previously. 

Also do something about them ruining my credit. Is this against the law? It should be.
Consumer complaint received 2023-07-16
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. (AZ)

XXXX reporting I own {$350.00} and a collection company XXXX try to collect. 
I dont own anything to XXXX and I dont have any contract with the collection company. 
They also report a second collection also from XXXX. XXXXm including XXXX case numbers. 
XXXX XXXX On this account number is a different amount {$350.00}.
Consumer complaint received 2023-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc. (IL)

mr cooper wont see it my way just do everything they want in the first place how can you say my payments were lare they were made as always and you guys accepted them instead of returning them to XXXX which would of gave me idea payments were messed up but you guys kept accepting payment from me instead of sending them back wgich would of gave me a inkling to problem that was happening you accepted monthly payment every month instead of saying no not enough. i made my payment like clockwork till i got a letter in may which made me up money which i thought was overdue taxes tp make amount you wanted for may.the exces amount was not due till XX/XX/XXXX which means you got what you wanted payed to you guys ahead of time.the amount that was past due was on account which i pay ahead of time and you got mothly amount due payed ahead of time.
Consumer complaint received 2023-07-16
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. (VA)

in accordance with the fair credit reporting actXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 2023-07-15
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: LCI Acquisition Inc. (MS)

A bankruptcy is being reported on my credit report stating the state of Florida Bankruptcy Court has furnished information which is false! I have a furnish a letter by the Bankruptcy Court which has indicated that they do not and I repeat do not give any information to third parties or therefore any one, and therefore has violated my rights. Under the credit fair act section 15 u.s.c.1681 sec a states I have a right to privacy. 15 u.s.c. states a consumer reporting agency can not furnish an account without my written instructions. In providing this information to XXXX and also XXXX has removed the information from my credit report. I would greatly appreciate if you would do the same thing based on the information provided.
Consumer complaint received 2017-08-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

On XXXX XXXX, 2017 I made my monthly payment online. On XXXX XXXX, 2017 I called Navient Customer Service to pay off one of my three loans. I explained that I wanted to pay one of the loans in full and I am calling because I can not figure out how to pay it off online. She gave me the balance of my smallest loan {$320.00}, I said yes that is the one I want to pay off. I processed the payment out of my bank account. She gave me a confirmation number and told me congratulations on paying off the loan. In XXXX I logged on to pay my monthly payment. Only the two remaining loans were showing. Both loans said {$0.00} amount due. I did not make a payment. On XXXX XXXX, 2017 I logged on to pay my monthly payment. It now shows three loans again. I pulled my bank statement to confirm the payment of {$320.00} was deducted from my bank and it was. The payment history on Navient 's website shows the payment however it is applied to one of the larger loans and still says I owe for the smaller loan. On XXXX XXXX, 2017 I called Navient Customer Service and the agent said because it is a consolidated loan that the payment was applied to both loans. I explained that I indicated to the agent on XXXX XXXX that I wanted the payment allocated to the smallest loan. She said the agent on XXXX XXXX applied the payment correctly however a system error caused the problem. She assured me that she would reapply the payment to pay off the loan in full. She said there was a past due balance from XXXX. I wanted to know why, if they had applied the additional payment to both consolidated loans there would not have been a past due balance. I made a payment with her to become current. I asked to talk to a supervisor. The supervisor apologized if the agent gave me any incorrect information. She said there was not a system error and again assured me that the loan was paid off and I was current but could not explain why the loan was not paid off on XXXX XXXX. She transferred me to a Senior Supervisor who said that only a Supervisor could approve a loan payoff and the Customer Service agent did not get the approval from a Supervisor on XXXX XXXX. The Senior Supervisor could not tell me why the agent could not get the approval from the Supervisor. Navient never notified me that the loan pay off was not approved. Nor did they notify me that they were going to apply that payment to the two consolidated loans.
Consumer complaint received 2017-09-08
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. (OH)

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
Consumer complaint received 2023-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have attempted 3 time over three weeks to submit this dispute to BofA and each time I am told 'Dispute service ' not currently available. That is BofA does not allow me to submit my dispute. Dispute is : XXXX charged {$27.00} by XXXX for a subscription service. 
XX/XX/23 I wanted to add another subscription service but I was told I now had to buy the whole subscription sevice package, even though it included my recently purchased service; but that when I purchased the full package, the previous purchase of the now duplicated service charge would be refunded. I therefore bought the full package for {$150.00} charged to me by XXXX on XX/XX/23. 
I have not been refunded the {$27.00}. Now XXXX says that I have applied for the refund too late, although at the time of the new purchase I was told by the XXXX agent that I would get the refund automatically. 
I dispute this {$27.00} transaction made by XXXX to my CCard.
Consumer complaint received 2023-07-15
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)

in accordance with the fair credit reporting act, the list of credit reporting agencies and creditors have violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 usc 1681 section 602A states I HAVE THE RIGHT TO PRIVACY.

15 usc section 604A section 2, states A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT WRITTEN CONCENT OR INSTRUCTIONS.

PREVIOUS REQUEST TO CEASE AND DESIST THIS VIOLATION HAS BEEN IGNORED BY REPORTING AGENCIES, A CLEAR DISREGARD FOR THE LAW.
Consumer complaint received 2023-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

My account with XXXX XXXX XXXX XXXX has been charged off yet they continue to report both the charge off and late payment every month. I'm being penalized 2x for the same account. I checked my on line account with XXXX and they have a monthly payment due each month, yet there has been no agreement after the charge off. I've contacted XXXX and Equifax. XXXX advised I call XXXX directly on XX/XX/. On XX/XX/ I called XXXX in which they transferred me from several departments to redirect me back to the credit bureaus. 

I'm trying to get clarification on the how the information is being reported but no one is able to answer.
Consumer complaint received 2023-07-15
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. (IL)

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 2023-07-15
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. (IL)

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 2023-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (PA)

I XXXX XXXX have recently identified several unauthorized credit card charges on my account. I did not authorize these charges nor have I engaged in any transactions associated with these amounts. I am deeply concerned about this situation and I request an immediate investigation into these unauthorized charges to restore the integrity of my account and ensure that I am not held responsible for these fraudulent activities. 
I XXXX XXXX hereby request and insist that these unauthorized charges be thoroughly investigated and promptly removed from my account. I expect complete transparency and collaboration from the credit card company, and I demand that all necessary steps be taken to reverse these charges and ensure that this situation does not recur in the future. I trust that the credit card company will handle this matter with the utmost urgency and professionalism. 
Please handle this accordingly, and promptly have this removed, those charges from credit card, as should not held liable, the charges where done in Texas, I live in Pennsylvania. I have addressed this issue several times and they still have not responded. Discover credit card needs to take care of this immediately!
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I can not log into the account, and Transunion keeps requesting I contact them at XXXX and when I do, it tells me it sends me a link to my phone and hangs up. We are able to log into my wifes account on same PC and same Browser but they keep telling me its a problem on my end, XXXX XXXX XXXX
Consumer complaint received 2017-08-09
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (MD)

In XXXX, XXXX, XXXX of 2014 we paid our mortgage via TD Bank bill pay. See bank statements. TD Bank pulled the mortgage payments from our account through bill pay to send to XXXX. Three months later we learned about the non-payments from a letter threatening foreclosure from our mortgage company. Upon contacting our mortgage company, research and investigation we learned TD bank was depositing our mortgage payments back into our account. The deposit did not catch our attention because the deposit would happen 2-3 weeks later, and in some case the re-deposit would occur the following month. As a result XXXX reported to the credit bureau that we were behind on our mortgage which affected our credit and we were kicked out of a loan forgiveness program that would have eliminate {$50000.00} from our mortgage principle. TD bank never sent us a notice notifying us the payments are being returned. TD bank did not make any efforts to communicate with us in a timely manner about the non-payment of bills. Notices should have been sent either U.S mail, email or account message within the online banking system. TD bank 's neglect has cost us more than a year 's salary.
Consumer complaint received 2023-07-13
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: EQUIFAX, INC. (FL)

XXXX XXXX is reporting fraudulent information to credit agency 's due to a ongoing dispute between us. 1 : I tendered payment and they did not like my payment that is acceptable under the current laws, Debt is discharged = period 2 : They never loaned anything and are not holders in due course of my " instrument " contract they sold it " securitized it on the market.

3 : They wrote off XXXX when there was only XXXX left and they removed my property and still never returned it or informed me about any sale therefore how can they post false, incomplete information. 
They are damaging me by multiple reporting, Amount, times, and charge off causing a XXXX point impact on all XXXX agencies and causing emotional stress