davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (MO)

For the XX/XX/XXXX-XX/XX/XXXX school year, I received a {$5300.00} FFEL Parent loan. That loan entered repayment in XX/XX/XXXX. Now, 22 years later, that loan was consolidated without my knowledge and my servicer claims I still owe more than. {$6000.00}. 
Around XXXX, I began receiving notices that my balance had increased despite all the payments I have made. Every person I spoke with assured me they would look into it and provide documentation ; except XXXX ( ID # XXXX ) at XXXX hung up on me when I called on XX/XX/XXXX. I have never received any documentation showing why or how that loan ballooned to over {$10000.00} at one point. 
When I spoke with XXXX ( ID # XXXX ) at XXXX on XX/XX/XXXX about my loan, he became irate that I was recording the call, repeatedly tried to force me to verbally agree with the balance I was disputing, that he could not provide any documentation and would destroy me if I continued to pursue the matter. I then engaged an attorney to assist me in getting the information I needed. In response, XXXX took four actions : ( 1 ) provided an unsigned loan consolidation application to the attorney ( 2 ) told the credit bureaus there was no dispute ( 3 ) reported the attorneys address as my address to the credit bureaus and ( 4 ) stopped sending monthly statements XXXX has not sent a bill to me since XX/XX/XXXX. 
There should be no remaining balance on this loan. And all my requests for a full accounting have gone unanswered. The most I have received is an accounting showing a beginning balance from an unidentified conversion in XX/XX/XXXX of {$7800.00} through XX/XX/XXXX when there was an unauthorized consolidation. What happened to all my payments? Why can no one show how the balance jumped?
Consumer complaint received 2017-10-26
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: EQUIFAX, INC. (FL)

I received a letter from Equifax explain I was apart of a breach I went online to view my account and notice some fraudulent attempts to obtain credit. I have put in a dispute with Equifax but they have responded telling me to contact the company directly, I have! the company states the inquiry is valid however of course its valid if they illegally hacked Equifax corporation and retrieve all of my personal information. I will like all the listed below inquires removed. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-09-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION (AL)

I was fraudulently charged and unauthorized charges of {$190.00} and {$110.00} fraudulent and unauthorized charge by XXXX and XXXX XXXXs for a XXXX day XXXX night XXXX vacation to XXXX Forge that I did not purchase nor did I add a XXXX  package for XXXX more trips with timeshare presentations over a XXXX  month period and a add on XXXX  beverage package. I contacted XXXX they said XXXX  had to issue the refund because they were the XXXX party vendor that was sent a digital virtual check for the funds, I called XXXX  they said XXXX would have to refund because they are who charged the original charge of {$98.00} for the XXXX  day XXXX nights with an additional night for {$19.00} so I disputed it with my bank Regions Bank the same day the charges appeared online in my bank statement I went in person to a branch and got a new debit card XXXX XXXX drive one way to get to a branch that makes debit cards at the branch. I also shut the card down immediately upon discovering the fraudulent charges as well as the branch XXXX said dispute again the following morning on my Regions Online dashboard which I did both charges no refund called they said the claim was filed wrong by them so it was reopened and the funds would be reimbursed in XXXX hours they weren't called XXXX days later they said they denied the dispute and the refund asked why they said it was duplicate charges. Called the next day and inquired about the dispute and they said they funds would be reimbursed in XXXX hours again they weren't called again todayXX/XX/24 and was told I would receive a letter within XXXX business days with their decision. I asked to talk to someone at corporate office and was sent a address to write a letter to in writing about the charges and refund from Regions. I saw multiple ads on XXXX for XXXX and different packages for XXXX day XXXX night timeshare presentation vacations I do have a XXXX XXXX  account linked to my debit card as I buy and sell on XXXX  that is the only way these XXXX companies could have gained access to my debit card information I keep my card locked with LOCK IT, I received no text, emails, or phone calls from Regions to verify it was me trying to make the purchases and all XXXX were done back to back over about a XXXX minute period. Regions refuses to issue a refund on the fraud and so does XXXX and XXXX XXXX. I contacted the XXXX  and they received no response from XXXX or XXXX XXXX  and said they could not help me to file a civil suit in small claims court. I contacted the Attorney General Office in XXXX  and filed a complaint as well as with the FCC, and the Federal Trade Commission, and Consumer Affairs Division and filed complaints there as well. I have not heard back from either as of now.
Consumer complaint received 2024-09-27
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Conn's, Inc. (OK)

So apparently the account settlement plan was canceled due to a failed payment. The company did not notify me in any of the subsequent phone calls and until.i asked for verification of the amount today. I've made payments believing that the plan was still active. Then refused to reinstate the plan and offered another plan at a higher amount. I will accept the plan bur the agents all failed to do their due diligence as each time I called I specifically mentioned the settlement plan. 

I did become very irrate and belligerent but the agent matched the energy and then gave off a condensending tone with remarks making fun of the situation. He literally said " it's your debt and get your financial situation " in the rudest tone.
Consumer complaint received 2024-08-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PACIFIC PREMIER BANCORP, INC. (CA)

There were unauthorized charges on my account yesterday after the bankers said they were closing my account because of a fraudulent check that was written for XXXX when the payment i made was less than or equal to XXXX. I acquired this information on telephone banking which is a feature i like about the bank, as i cant access online banking due to inability to find the right phone service carrier for a home line.
Consumer complaint received 2024-08-29
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. (TX)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 
Office of the attorney general XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1681 c. ( 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 2022-08-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paxful Holdings, Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have filed chargeback disputes on Paxful both using the chat bot to submit tickets and on each one of the trades we did. The last time I filed a chargeback dispute was over a month ago and it's still pending. This person needs to be banned immediately. Paxful is clearly awful at responding to chargeback notices in a timely manner which is extremely important in the effort of getting the stolen funds returned from the buyer who initiated a fraudulent chargeback. The way Paxful attempts to get your funds back after they have looked at your proof submitted for the chargeback dispute is only by taking the funds from the other persons account if they even have any in the account they're using to trade with. So, immediately when submitting a chargeback dispute it's a race against the clock to hopefully catch them before they go offline forever and make a new account or hack someone elses. Over a month???? The scammers continue to trade and scam others for a while after these chargeback disputes are filed because every single one of them know it'll take AGES for it to ever get resolved, and by that time they're already long-gone and have withdrawn any XXXX they had in that account. They make it too easy for scammers to operate on their platform. I'm negative XXXX XXXX dollars in my XXXX account right now and the only slight chance I have at maybe recovering some of the funds is if Paxful responds in a timely manner before the scammer moves onto a different account. This account had an insane history of successful trades and good reviews ( XXXX trades and only XXXX bad reviews ). I'm not new to being a vendor on Paxful. Anyone would've traded with this guy. I need Paxful to respond immediately or my funds are definitely going to be gone. 

Side Note : how the XXXX has Paxful not fixed this issue yet. There's a simple solution : IMPLEMENT BETTER/FASTER CUSTOMER SUPPORT OPTIONS. THE SCAMMERS WOULDN'T BE DOING THIS IF THEY KNEW AN ISSUE COULD BE RESOLVED IN A MATTER OF MINUTES, WOULD THEY??? No, they wouldn't. There would be no coinlockers in open trades and this simple solution would make the entire platform better. They clearly don't care to listen to anyone 's complaints and their entire reddit feed is just filled with people telling story after story on how each one of them got scammed. The solution is simple, they are aware this has been an ongoing issue for years, they definitely know how to solve it, why haven't they done it? Because they don't care.
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/year>, I reviewed my credit report and noticed fraudulent items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have never been associated near or opened this account it is fraudulent also whatever address attached is also fraudulent I am attaching the lawful codes on which is in violation of the law 15 USC CODE 1681N,15 USC 1681o,15 USC 1681e,15 USC 1605, 15 USC 1681 15 U.S CODE 1681 ( S ) - 2 SubSection 1F 15 U.S CODE 1681 ( 4 ) 15 U.S CODE 1681 ( a )
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information on Credit Reports Dear XXXX XXXX XXXX, Equifax Information Services LLC, and XXXX, I am writing to dispute the inaccurate and damaging bankruptcy entry that is appearing on my credit reports with all three of your credit reporting agencies. XXXX is the only credit reporting agency that is publicly furnishing this information, and despite my repeated attempts to have it corrected with all three agencies, the error persists. 

Under the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 1 ) ( A ), I am entitled to have accurate information reported on my credit files. The inclusion of this bankruptcy entry is not only false but it is also negatively impacting my credit score and ability to obtain credit. 

Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ) Section 809 ( b ), it is unlawful for a credit reporting agency to report inaccurate information that has not been verified. I have not been provided with any verification of this bankruptcy entry and therefore, it must be removed from all three of my credit reports immediately. 

I am also requesting that each of you fill out and return the attached disclosure statement regarding all existing accounts to ensure that full accuracy is reported. This will help to prevent any further inaccuracies on my credit reports. 

I am requesting that all three credit reporting agencies investigate this matter and provide me with written confirmation of the removal of the inaccurate bankruptcy entry from my credit reports. I also request that corrected copies of my credit reports be sent to me and any other entities that have received my credit information within the past six months. 

Please provide me with a written response within 30 days of receiving this letter confirming the removal of the inaccurate information and the completion of the disclosure statement. Failure to do so will result in further legal action being taken. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX and Equifax 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. Equifax continues to violate my rights by publishing without my written instructions. In light of recent investigations brought upon equifax, I find that my consumer file is being irresponsibly tampered with. over the past year I have made several attempts to remind you of your duty pursuant 15 USC 1681. it appears you're intentionally and willfully being neglectful in remedying my affairs. 15 USC 1681e ( b ) assures that i am due, promised accuracy in my report based on federal law. I am making this effort as another attempt to have these errors corrected on my consumer report. 15 USC 1681i ( A.5 ) says that after the reinvestigations all of the unverified information must be promptly removed. You can see in your system that this account was previously disputed without being thoroughly investigated thus I know that can not be verified or validated. 
I have Hard Inquires that need to be removed as well, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-06
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. (ID)

In accordance with the Fair Credit Reporting Act, XXXX XXXXk XXXX, also known as XXXX XXXX XXXX  XXXX XXXX XXXX , has violated my rights. 

To whom it may concern : I request more explanation on said reported account. I have not received proof of ownership of this debt including signed agreements ect. I am proceeding under the Fair Credit Reporting Act law. I have the right to challenge I am not sure is accurate. Reporting things on my credit file I did not agree to have reported or have not heard of. 

Under 15 U.S.C Sec. 1681 I ( a ) you can not provide proof ( Proof being a signed agreement of the two parties to the debt ) then these accounts need to be deleted. That everything in that report must be 100 % correct or it should be deleted. please investigate the following account and remove them if proof is not obtained at a 100 % assurance of factual information. 



15 U.S.C 1681 ( 3 ) E states ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such items of information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer or from the consumer. 



They also violated my rights numerous times. 



According to U.S.C 1681 section 602 A states as I have the right to privacy this has been violated many times by this agency by this account I request they delete and remove it. 



According to 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. Please send proof of my written instructions or delete the account from the report. 



According to 15 U.S.C 1681 s-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. See the Also know as different names different accounts Cause for concern this account is not accurate and should be deleted and removed.
Consumer complaint received 2024-11-04
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. (NJ)

XXXX XXXX acct # XXXX is inaccurately / inconsistently reporting data on my consumer reports. This is negatively impacting my credit scores, let alone my character, and causing loss of ability to secure a mortgage with my fianc. I want these damages to END!!! 

Inaccuracies and inconsistencies on XXXX and XXXX and TRANSUNION Further, the late payment histories are inaccurate/inconsistent in their respecting reporting, and also negatively impacting my credit scores, let alone my character, and causing loss of ability to secure a mortgage with my fianc. The account is CLOSED therefore NOTHING is late WHATSOEVER. 

I have attached screen shots of the discrepancies, circled.

15 USC 1681e states : ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 USC 1681i states : ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

15 USC 1681n states : ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter 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 ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 

PLEASE DELETE THIS ACCOUNT FROM MY CONSUMER REPORT IMMEDIATELY.