davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (MN)

PSLF forms were mailed to Mohela on XX/XX/XXXX and I had applied for consolidation. US Department of Education instructed us to send Employment Verification for PSLF to Mohela even if they were not our current servicer. Mohela processed that form on XX/XX/XXXX but because my consolidation hadn't been approved or they didn't have my account yet, nothing happened. I reloaded my employment form and they processed it XX/XX/XXXX and it wasn't approved until XX/XX/XXXX. What happened between XXXX and XX/XX/XXXX? As of XX/XX/XXXX, there is still no tracker on my account showing how my prior payments were credited. What was " processed? '' Correspondence from Mohela on or about XX/XX/XXXX, I was told 30-45 days after the application was processed I'd see a tracker. We're now nearly 60 days and nothing. All responses to inquiries are generic and trying to call them requires hours of time and then calls disconnected. 

Help!!
Consumer complaint received 2023-07-04
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. (NC)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$17000.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-02-02
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings (CO)

IQ Data International XXXX XXXX XXXX Subject : Demand to Halt Collection Activities Account Number : XXXX Dear Representatives, I am writing to formally insist that you immediately cease all communication and collection activities related to the alleged debt associated with Account Number XXXX. 

As representatives of IQ Data International and XXXX XXXX XXXX, I am deeply concerned that your actions contravene various federal laws and Colorado state codes governing debt collection practices. I am alarmed by how much you appear to infringe upon individuals ' rights with fraudulent activities and violate my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and other relevant consumer protection laws. 

My concerns include, but are not limited to, the following : Fraudulent Debt Collection Practices : I maintain that the debt you attempt to collect is fraudulent and lacks proper validation. I demand that you cease spreading false information to the credit bureaus about an alleged debt associated with a XXXX individual who possesses significant assets in cryptocurrency and owns three homes in this country. Your actions are deceptive, and we both know it. 

Violation of Fair Debt Collection Practices Act ( FDCPA ) : Your actions constitute a flagrant violation of the FDCPA, which prohibits abusive, deceptive, and unfair debt collection practices. I demand you cease all communication with me and any third parties concerning this alleged debt. Your persistent verification of a fraudulent debt and repeated account openings demonstrate a disregard for federal debt collection laws. 

Verification of Debt : Under the FDCPA, you are required to verify the debt. Instead, you have presented the credit bureaus with a falsified document, a standard company practice, and violated my rights. 

Failure to comply with this cease demand will compel me to pursue all available legal remedies, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and initiating legal action against your company. 

Please be advised that I consider this matter extremely serious, and I expect your full cooperation in resolving this issue promptly. Any further attempts to collect on this alleged debt without proper verification will be viewed as a willful violation of the law. 

This letter is not an exhaustive statement of my legal or otherwise rights concerning the above-referenced debt. All rights are expressly reserved. 

Sincerely, XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2023-07-05
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. (VA)

My perusal information was compromised in the XXXX XXXX XXXX and I have notified TransUnion of this multiple times. I have let them know these fraudulent inquiries should be removed and blocked MULTIPLE TIMES. TransUnion has violated federal law 15 U.S.C. 1681 multiple times and have acted in a way that displays they are willfully and negligently choosing to not comply with federal law.

They have not done an investigation into this matter and have told me on multiple occasions it is the consumer who has to complete an investigation which shows they have no intention to comply with the basic principle of the federal law. 

I have now included an identity theft report in this response.
Consumer complaint received 2023-07-05
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. (VA)

My perusal information was compromised in the XXXX XXXX XXXX and I have notified TransUnion of this multiple times. I have let them know these fraudulent inquiries should be removed and blocked MULTIPLE TIMES. TransUnion has violated federal law 15 U.S.C. 1681 multiple times and have acted in a way that displays they are willfully and negligently choosing to not comply with federal law. 

They have not done an investigation into this matter and have told me on multiple occasions it is the consumer who has to complete an investigation which shows they have no intention to comply with the basic principle of the federal law. 

I have now included an identity theft report in this response.
Consumer complaint received 2023-07-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2024-02-02
Product: Credit 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: Paypal Holdings, Inc (CA)

XX/XX/XXXX I made a purchase on my PayPal credit account to : XXXX XXXX XXXX in the amount of {$1000.00} XX/XX/XXXX XXXX XXXX XXXX refunded me {$1000.00} to my PayPal credit account XX/XX/XXXX PayPal Credit charged me back {$1000.00} on my PayPal credit account showing it as a PayPal Purchase due to a double credit applied to my account from XX/XX/XXXX refund from XXXX XXXX  XX/XX/XXXX PayPal ( non Paypal credit account ) put a {$1000.00} deficit on that account advising I have an over payment due to double refund. 

XX/XX/XXXX I spoke to 4 different PayPal Credit representatives to file a dispute of which the last one Supervisor XXXX said she could see the issue but since she is PayPal Credit and PayPal doesn't share the same systems there was nothing she could do to remove the error. She transferred me to PayPal customer service. I spoke to 2 people who couldn't even repeat my name and didn't understand the issue. I went to PayPal messaging and spoke to several reps asking to file a dispute and all they told me was pay the balance due
Consumer complaint received 2023-07-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: SLM CORPORATION (TX)

I'm attempting to contact the company regarding my right under SCRA. Their website says to login to my account ; however I can not login to my account because there is an unusual error. I confirmed the username and password I am using is in fact correct. Then the company says to contact them regarding my login difficulties. I search for their contact information and it turns out they do not have an email address to contact with concerns. So am I supposed to call or mail in my request to them? I'm extremely busy and do not have access to personal email during the day. I feel this is a tactic on their part to deter people from contacting them regarding their loans. I believe this is an unacceptable business practice in 2023 especially with all of the scrutiny this country is under regarding student loan debt.
Consumer complaint received 2023-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: LEXISNEXIS (TN)

Lexis Nexis Risk Solutions Consumer Center XXXX XXXX XXXX XXXX, GA XXXX RE : The inaccurate and certifiably noncompliant information you are reporting To Whom it may concern : I am writing you with this formal objection of information published and provided by you to XXXX, XXXX and XXXX, as reported and I demand for quick action on your part. Additionally, this notice also serves as my rightful demand for adequate investigation/reinvestigation into every aspect of any delinquency or derogatory data accused of me to ensure my lawful right of accurate and compliant reporting! 

You are improperly reporting an alleged Public Record to the credit bureaus that is clearly in noncompliance with recognized METRO2 Reporting Requisites per the CRGG as well as the FCRA, and thus damaging my credit. Without being certifiably compliant with METRO2 reporting standards, you are in violation of the required permission to report single aspect or notation of any alleged accounts, much less a public record that was not even reported to you by the alleged Court of Record. I formally contest the reportability of the alleged Public Record.

Immediately, DELETE ALL record of the following alleged public record, or else provide certified proof that you have physically verified each notation for maximum possible accuracy and compliance with all METRO2 reporting standards. 

( XXXX  XXXX Bankruptcy ) ( XX/XX/2018 ) This Public Record item is deficient as reported, and Per Federal reporting regulations all claims MUST be to a maximum possible accuracy and a maximum possible completeness, which extends to the reporting mandates that there be no deviation from METRO2 Format compliances since, per the XXXX, DNP XXXX Any deviation from these standards jeopardizes the integrity of the data Unfortunately. It appears that you do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that you include in your consumer reports that you prepare concerning me. Your prompt attention to this important matter is requested in order to comply federal law.
Consumer complaint received 2023-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Upon viewing my most recent consumer report, I saw a bankruptcies that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These Bankruptcies claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!
Consumer complaint received 2023-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX has XXXX harrassing my credit report by reporting the account is closed for the past 3 months on different days. This account was a charge off back in XX/XX/XXXX as a charge off. I never received a XXXX from XXXX XXXX and I never received a bill of sale of the vehicle that was auctioned in XX/XX/XXXX. They have refused to cooperate with me and since XX/XX/XXXX, they have been reporting the account closed monthly. I will provide proof.
Consumer complaint received 2023-07-04
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)

CFPB Fair Credit Reporting Dispute Concerning Deceptive Practices and Violation of the Privacy Act of 1974 On XX/XX/XXXX, XXXXXXXX XXXX XXXX  claimed that I was pre-approved for a loan with their company. However, after being pre-approved, they ran my credit without providing me with full disclosure regarding collateral securitization. Subsequently, XXXX XXXX XXXX informed me that in order to qualify for the loan I was pre-approved for, I would have to use my personal vehicle as collateral. During the pre-approval process, I was never informed that my personal vehicle would be required as collateral for the loan. The XXXX XXXX XXXX affiliate or representative agent explicitly stated that the loan would be based solely on my job and income. This practice is considered unfair, deceptive, or abusive ( UDAAPs ) as it attempts to cause significant financial injury by damaging my credit reputation and eligibility. According to the Dodd-Frank Act, it is unlawful for any provider of consumer financial products or services, or a service provider, to engage in any unfair, deceptive, or abusive act or practice. 

Moreover, since I was not provided with full disclosure regarding the use of my personal vehicle as collateral, all prior agreements concerning access to my personal information are void. All my agreements were based on income and job worthiness, and at no time did I agree to use my vehicle as security for any debt. Due to their deceptive practice, I did not authorize XXXX XXXX XXXX  to share my personal information with any third party based on false pretenses. 

XXXXXXXX XXXX XXXX has violated 15 U.S. Code 6802 and has failed to fulfill their obligations regarding disclosures of personal information. They have also not provided me with an OPT OUT notice before adding any positive or negative information to my consumer report. 

Furthermore, XXXX XXXX XXXX  violated my privacy by obtaining a credit report without a permissible purpose. I should have been informed prior to the credit inquiry that my personal vehicle would be used as collateral for a secured loan. 

Additionally, in accordance with the Fair Credit Reporting Act ( 15 USC 1681 section 602a ), consumer reporting agencies such as TransUnion, XXXX, and XXXX are required to handle their responsibilities with fairness, impartiality, and respect for consumers ' right to privacy. As a consumer, I have the right to ensure the non-disclosure of my private information, as supported by 15 USC 6801, which states that financial institutions have an ongoing obligation to protect customer privacy and the security of their nonpublic personal information. TransUnion has reported this information in my credit profile, contributing to the damage of my creditworthiness and reputation.
Consumer complaint received 2024-02-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: CITIZENS FINANCIAL GROUP, INC. (DE)

On XX/XX/XXXX, I changed my XXXX  number to XXXXXXXX XXXX. XXXX has the information on file. Today, XXXX, I had someone send me money through XXXX using the same mobile number. It was deposited in Citizen Bank the account I changed. They stated to me that it was deposited XXXX and number deactivated ( changed ) at XXXX. I waited on the phone for hour for a representative that put me on hold to come back and tell me this information. She claimed it was not an hour it was 57 minutes. And since my account was already overdrawn ( with fees ) that there was nothing they could do. And on their end it says this. I advised her that it was changed and for them to send me the documents she said she could not. I also said I needed the exculation department they said there was none. She also if you want to speak with a supervisor it is another 45 minute wait. Citizen has charged me fees after fees and I have no money to buy food or pay for anything. So I had someone send to a new account that I opened 2 weeks ago. Now Citizen has claimed that money as well. They are doing some type of fraudulent activities and do not care about their customers.
Consumer complaint received 2024-02-02
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (WA)

I file fraud last year with XXXX on their website as I was advised by the collection agency southwest collection systems , I then received a call from a rep in the fraud department with XXXX who knowledge they received the dispute and they would be in contact soon, I never got another call. I then received an email on XX/XX/XXXX from a, XXXX. XXXX, in the Fraud Operations/Fraud Management department who again said they received my dispute and will be in contact via email or mail with the resolution, I never heard back, I followed up on XX/XX/XXXX, no reply, I followed up again on XX/XX/XXXX, she replied and stated she needed the account number to identify my account which we have been in contact on the same email, I replied advising I don't have an account number this is fraud, when I call XXXX  directly they claim they can't find me and refused to transfer me to the fraud department. I advised her that she should have my account number since we have been in contact.After that I have reached out on, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with no replied This bill was opened XX/XX/XXXX and charge off on XX/XX/XXXX Collection : Southwest Credit system received the bill as of XX/XX/XXXX They also have an email address that has never been mine along with an address
Consumer complaint received 2023-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I RECENTLY PULLED MY CREDIT REPORT FROM XXXX, XXXX, AND XXXX AND TO MY AMAZEMENT, SAW THAT THERE IS A FRAUDULENT ACCOUNT BEING REPORTED IN MY CREDIT FILE. I AM A VICTIM OF IDENTITY THEFT AND I HAVE NO KNOWLEDGE WHO OPENED THIS BANK OF AMERICA CREDIT CARD UNDER MY NAME. THIS IS A FRAUDULENT CREDIT CARD. THE FAIR CREDIT REPORTING ACT REQUIRES THE CREDIT BUREAUS AND CREDITORS TO BLOCK AND DELETE THE FRAUDULENT INFORMATION FROM THE CREDIT REPORTS WITHIN FOUR BUSINESS DAYS.
Consumer complaint received 2023-07-04
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. (GA)

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (FL)

I went into the branch of Truist Bank located on XXXX XXXX XXXX XXXX, XXXX XXXX, FL on XX/XX/year> at XXXX. I asked a banker to help me with two wire transfers. The banker confirmed that my account had sufficient funds. The banker then informed me that wire transfers were not allowed from my account. He said he could enable it, but it would take until Monday to be ready. He told me that I could get two cashier 's checks today as an alternative solution. I went to the teller and asked for the two cashier checks. The teller took don my information and asked me to wait. at XXXX the teller informed me that I could not get the checks, because the back office could not approve them until Monday. I told the teller that i was going to file a complaint, and the teller acknowledged this. I left the bank, unable to withdraw my funds, at XXXX. I called customer service and was on hold from XXXX to XXXX, when the bank closed. I still do not have my funds.
Consumer complaint received 2023-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Dispute was filed with credit reporting agencies on XX/XX/2023 for incorrect 30-day past due reporting for XXXX XXXX. We use online banking with bill pay service. We also receive ebills through our online banking for this creditor and have it setup so that our online banking automatically pays this account by due date listed on ebill. Historically, creditor deposits bill payments within 0-5 days of payment date and credits our account as of payment due date. Creditor failed to timely credit bill pay payment sent via online banking bill pay dated XX/XX/2023. Creditor did not enter bill pay payment until XX/XX/2023. Due to this, XXXX XXXX then initiated a XXXX past due record on credit report. I have records backing their historical and current payment application records showing that bill payments have been deposited within 0-5 days of date of bill pay and credited to our consumer account by due date.