davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Premier Student Loan Center (FL)

Hello, This took place about a year and a half ago with a company called Premier Student Loan Center. 

Premier Student Loan Center withdrew three payments of {$290.00} from my bank account. The first withdraw was XXXX XXXX, 2016, the next was XXXX XXXX, 2016, and the final withdraw was XXXX XXXX, 2016. I did not receive the services I was promised. I was told by the first Premier Student Loan Center agent I spoke with, that my total loan payoff amount would go down {$4000.00}, from XXXX to {$8500.00}, and that I would have a {$30.00} a month student loan payment that would go toward paying off my {$8500.00} student loan. As it turns out, none of this was true. My student loan has not gone down any, and the {$30.00} was to go to Premier Student Loan Center every month to do nothing. Loan consolidation is a free service, which they proceeded to do for me one time and then once a year they would renew my repayment plan which is a free service as well. Furthermore, they lied to the new student loan agency they hooked me up with ( XXXX XXXX, I was originally with XXXX ), and said I had XXXX children and whatever else they had to say so that I would have a XXXX balance on my loan repayment and my {$30.00} a month would keep going to Premier Student Loan Center. 

Once I figured out what was going on I wanted a full refund. I talked to a supervisor at Premier Student Loan Center and another agent. I also got my bank involved and brought their fraud department up to date. I was able to get {$600.00} of the {$900.00} they charged for services not rendered as well as a refund on the first $ XXXX monthly charge they withdrew from my account. I closed my account with Premier Student Loan Center.
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

this creditor is reporting inaccurate information on my consumer report. the account is inaccurate because it is listed as an inaccurate status that does not correspond with the current status that the account is in. i requested the form 1099c as per the irs when the account is in charge off status or a form 1099c was not filed therefor the account was not charged off. so its been reported inaccurately and pursuant 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. This account must be deleted pursuant these laws
Consumer complaint received 2023-05-11
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: Cascade CISS Holdings, LLC (FL)

Credit plus is in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully ; p ] '/loobtaining my XXXX consumer report on XXXX XXXX, XXXX XXXX, XXXX XXXX without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose. 
A person shall not use or obtain a consumer report for any purpose unless ; The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. 
The purpose is certified in accordance with section 1681b ( f ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 


15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided insection 1681g ( a ) ( 5 ) of this title, aconsumer reporting agencyshall not furnish to anypersonarecordof inquiries in connection with acreditor insurance transaction that is not initiated by aconsumer.

I have not initiated any transaction with Credit Plus, Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with Credit for review or collection.

Furthermore, under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both, 15 U.S.C. 1681n ( a ).

15 U.S. Code 1681q - Obtaining information under false pretenses Anypersonwho knowingly and willfully obtains information on aconsumerfrom aconsumer reporting agencyunder false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.

616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;
Consumer complaint received 2023-05-11
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. (TX)

When I reviewed my credit report, I noticed that there was information that was erroneous on my Transunion report so I reached out to them about this issue. They claim to have updated some of the information, which they did not and they never investigated the information that I actually disputed. They never validated the information and they failed to remove the items. They are violating my rights to an investigation and my right to have the erroneous information removed from my credit report. The FCRA says that I have the right to dispute it and they must remove anything that is inaccurate.
Consumer complaint received 2017-10-19
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: Santander Consumer USA Holdings Inc. (FL)

I have credit inquiries that were made during the same day and I only allowed one per day. I only signed for one application. I need your help in deleting the unauthorized hard inquiries.
Consumer complaint received 2023-05-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (VA)

I recently received a copy of my XXXX, XXXX or XXXX credit report, and I noticed some late payments posted on my credit report Discover Bank XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX Your company is in clear violation of the law. Under 15 USC 1681b- Permissible purpose of consumer reports. The LAW CLEARLY STATES : ( A ) In general Subject to subsection ( c ) Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you permission to furnish this account on my credit report?

Furthermore, the fair credit reporting act 15 USC 1681 ( 2 ) ( a ) ( i ) exclusion from a consumer credit report clearly states ( A ) EXCLUSIONS- Except as provided in a paragraph ( 3 ), the term consumer report does not include - ( A ) Subject to section 1681s-3 of this title, any - ( I ) Report containing information solely as to transactions or experiences between the consumer and the person making the report : Reverse the above late payments from my consumer report, this agency is in violation of 15 USC section 1681 Failure to respond satisfactory with reversing of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC S 1692g violations 4. Fair Credit Reporting Act 15 USC s1681 violation for willful noncompliance 616 Civil liability for willful noncompliance [ 15 USC S1681n ] Best Regards, XXXX XXXX
Consumer complaint received 2017-10-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (FL)

I contacted LVNV Funding LLC in writing on a letter dated XXXX/XXXX/XXXX that was delivered via certified mail on XXXX/XXXX/XXXX. I requested validation of a debt in the amount of {$410.00} that LVNV Funding LLC is currently reporting to all three major credit bureaus ( XXXX, XXXX, & XXXX ), as per my right and according to the FDCPA section XXXX. Validation of debts. I have not received a response from LVNV Funding as  of today XXXX/XXXX/XXXX. Per the FDCPA XXXX XXXX. Validation of debts and as stated in my letter, LVNV Funding LLC has 30 days to respond to my request or this debt must be removed from my credit file. I have attached a copy of my letter and proof of mailing and delivery. LVNV Funding LLC has failed to follow the FDCPA Section XXXX. Validation of debts and I am now demanding that this debt be removed from my credit.
Consumer complaint received 2017-10-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Collection Systems, Inc. (MO)

Missouri State did not send notification the debt was going into collection. No information was sent to me by the debt collector that they were now collecting the debt. I only knew about them when I checked my XXXX XXXX score and it dropped over XXXX points0
Consumer complaint received 2023-05-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (AZ)

Paypal is derelict in their duty to protect consumers. I use their service for all regular spending and have been a customer in good standing -- i think since they started their business. In the past, they allowed customers to transfer funds via app with a page that required us to enter the amount being transferred. Recently, that page was changed to show the entire balance and ask if you want to send that amount. In order to change the amount, you have to touch the screen to type in different numbers. When I touched my screen, it transferred my entire balance immediately to my bank/credit union . I could not stop it. 

I contacted PayPal and reported it. The very kind service rep initiated a " clawback ''. The balance arrived in my institution on Monday and was IMMEDIATELY REVERSED TO PAYPAL, per instructions. As of today, this money has not been redeposited in my account. PayPal reps are reporting that it will take 10 days to get the money back in my account. WHY IS THAT? Are they accruing interest in overnight deposits from consumer funds that were placed with their business IN GOOD FAITH??? I went all the way to supervisor level and explained the whole chain of events 3 times. In the end, the supervisor told me flatly -- " that's the way it works and this matter will not be expedited. '' I have his name, title, and number on record... 

As I write this complaint, they will not even allow me to move money to cover the overdraft that THEY CREATED by their ridiculous transfer app performance. If this causes me a hit on my credit report, I will have to fight that, as well. How many customers are being taken advantage of by their POOR MANAGEMENT OF THE INTERFACE FOR TRANSFER ACTIVITY????
Consumer complaint received 2023-05-11
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. (MS)

There is inaccurate information being reported on my credit reports. On my credit reports, I have two different electricity companies reporting to collections. One is in the state of Texas, while the other is in the state of Mississippi. There is no way I could have services in both states at the same time. XXXX XXXX XXXX XXXX XXXX are both stating that I opened services on XX/XX/2020. This is impossible. Also, there is a discrepancy of " Date Opened '' from XXXX.
Consumer complaint received 2017-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  30 days past due as of  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2023-05-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (FL)

On XX/XX/XXXX I made a purchase XXXX {$2600.00} with a promotion of no interest for 24 months. As of XX/XX/XXXX the balance was {$2200.00}. I was under the impression that if I made two separate payments during the same month that one would go towards the revolving balance and the other towards the promotional balance as their recordings states and the CC terms and agreement. That was incorrect. None of the payments I made towards the promotional balance were credited to the promotional balance they were all credited to the revolving balance. I did not reach out since I thought that they would allocate the payments correctly. I was wrong again. I called on XX/XX/XXXX and told them about the issue and to send 1 year worth of statements. I received the statements and you can clearly see that every month for the past 12 months 2 payments were maid ( see attached ). On XX/XX/XXXX I called again so they can allocate the payments correctly and they said that they can not do that since I needed to call every month and tell them specifically that one payment was going towards the promotional balance. Who has time to call every month and do this? I have a CC with XXXX XXXX and its by Citibank and they never had a problem allocating my payments. If is the same mother company why does Best Buy treat it differently? Is like they set you up so you can pay all this ridiculous interest they offered to waive by the promotion. The representative ( Manager ) said that she could only allocate one of the XX/XX/XXXX payments which is ridiculous given the fact that I made 10 payments XXXX {$100.00} from XX/XX/XXXX to XX/XX/XXXX, {$600.00} on XX/XX/XXXX which should have gone towards the promotional balance of {$2200.00} and payoff of {$650.00} in oppose to {$1600.00} to not pay interest. If I did not pay that amount of {$1600.00} on XX/XX/XXXX the accrued interest that was going to be applied to my account was {$1600.00}. Double of what I owed. So I decided to pay the promotional balance of {$1600.00} as XX/XX/XXXX to avoid any further interest assessed. But Best Buy CC with Citibank are liars and they offer you a promotion so that later you can pay all the accrued interest. They do deceptive lending so people can fall into their tricks and then have to pa all the fees and interest they once promised you to waive in a promotion.
Consumer complaint received 2023-05-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

If I was able to leave a XXXX I would!!! i have been with USAA for 20 years, that being said. When someone hacked into my account, took XXXX out of my account I filed for fraudulent activity! USAA employee told me they'd look into this, and would take about 5-10 business days. I then try and go into my account to make sure no more money was taken I no longer had access. It took me waaaaaay too long trying to get a hold of someone to tell me " Oh that's just part of our process '' Um, don't you think that should've been mentioned during the FIRST phone call!!! I'm literally about to have a panic attack thinking someone got into my account again!! A day later they call back, and said there's NOTHING they can do about it!! They then proceed to tell me that they are going to unfreeze my accounts despite not having any information or handling this fraud stuff!! I then asked is my account and my information 100 % safe, the USAA employee then proceeded to inform me they can NOT keep my information or my account SAFE!!! After all of this we find out they do NOT have a fraud department, it's all XXXX!! RUN AROUND AFTER RUN AROUND, so after 20 YEARS I AM DONE!!!!! All my employee friends and family will know about this!! I will make sure the military know as well!!!!
Consumer complaint received 2017-10-19
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have credit inquiries that were made during the same day and I only allowed one per day. I only signed for one application. I need your help in deleting the unauthorized hard inquiries.
Consumer complaint received 2023-05-11
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Specialized Loan Servicing Holdings LLC (CT)

Starting in XX/XX/XXXX My ex-husband was court ordered to pay all expenses associated with the house. This did not happen and the mortgage co and its legal reps harassed, stalked and threatened legal action if i did pay a loan I did not own. In XXXX XXXX XXXX ex husband was awarded the house and I in his Attorney 'S office signed the house over. He was too get it refinanced and out of my name and ownership/loan contracts. Due to extreme intimate partner violence as stated in PA 21-78 these mortgage reps and banks colluded with my ex husband to corrupt my finances, damage my credit and economic abilities as a protected person ( female, mental and physical XXXX and XXXX ) and have harmed me to the point of permeanant XXXX. 
Starting in XX/XX/XXXX I received notice of foreclosures and the litigation process, I could in no way avoid. My ex Never communicated with the bank, attorney 's or mortgage company to settle his affairs. Liens have been placed on the home and he filed fraudulently for bankruptcy leaving me holding the debt that I am legally supposed to be held harmless from and violates basic professional conduct but also violates CGS46b-1. I also frequently communicated with the bank/mortgage companies and they were aware of the financial XXXX. 
I then was served XX/XX/XXXX with the lawsuit and those other people who gave him services he never paid. 
I should not be involved in any of this mess. It is costing me my sanity, health, financial duress to the point of becoming indigent. I have rights, especially as a XXXX person. Attorney 's are empowering this abuse and taking advantage of a battered woman 's financial exploitation and multiplying it. It is unethical and I feel this is a hate crime.
Consumer complaint received 2023-05-11
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: Adler Wallach & Associates, Inc. (CA)

I opened a XXXX account to see my credit and I have a account or card from awa collections I think is the name saying that I have a card opened by them when I just opened a credit card this year in XXXX and it's the only card I've ever applied for that was accepted. They are saying I opened a account with them 2 years ago when I only applied for 4 credit card last year and they all were denied. The one that was accepted was pre approved. I don't even know what it's for the XXXX page just said that I owe XXXX $ when I've only opened a XXXX  account to get better credit and now a XXXX XXXX  credit card.
Consumer complaint received 2023-05-11
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

I met this friend on XXXX on XX/XX/2023. We move over to XXXX to talk which we have been in contact. I was interested in what I saw from this friend. I got invested in my assets under this friend 's instructions through a wire transfer to XXXX XXXX XXXX  in XXXX XXXX XXXX to convert that money into the cryptocurrency of XXXX and XXXX through crypto.com then the fraud website XXXX that copied XXXX. The first wire transfer was {$1000.00} on XX/XX/2023, and the second and last wire transfer was {$5000.00} on XX/XX/2023. I have invested $ XXXX worth of US Dollars into worth {$150000.00} cryptocurrency in a 1:1 ratio of USDT to USD. This website imitated XXXX with the same logo but a different URL. The website immediately approved this {$21000.00} loan without any questions and put in a contract over me. But this fraud website has me locked in through a loan worth {$21000.00} and also holding my cryptocurrency. I asked the website for an alternative way to pay it back but they replied no, the payback is {$21000.00}. I have been frankly trying to find a way to pay this loan while losing my mind and sleep. I have told my sister and brother whom I trusted saying that it was a scam. I would like to do an online cyber investigation. I believe this is a fraud and a scam that I got myself into, noted as a cybercrime. I found out the scammer lead me outside of the FCA jurisdiction sights. 

They are contacting me under the name of XXXX XXXX. This is probably not their real name. Their contact numbers are below. 
XXXX ( XXXX ) XXXX and XXXX ( XXXX ) XXXX I had to research a bit these numbers a bit if were connected to this person however, they came out to be scammer numbers online. 

XXXX Official Website XXXX Fraud Website that imitated XXXX https : //XXXX