davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: EdFinancial Services (PA)

Greetings, On XX/XX/XXXX, I took out a federal direct XXXX loan to attend XXXXXXXX XXXX XXXX XXXX my XXXX year. The loan was taken through XXXX XXXX XXXX. I completed my XXXX year and joined the XXXX in XX/XX/XXXX. As of XX/XX/XXXX, I owed {$3200.00} on this loan through XXXX XXXX ( I have pictures of billing statements to reflect this ). In XXXX of XXXX, I XXXX to XXXX. Because I did not have any living expenses, I took the majority of my pay over the course of my first several months of XXXX to pay this off. I made my final payment to pay off the entire balance on XX/XX/XXXX to the amount of {$610.00} ( I have screenshots to reflect this ). 

I was XXXX from the XXXX in XXXX of XXXX and received no correspondence from XXXX XXXX because my loan repayment was satisfied. I began using my post XX/XX/XXXX GI Bill at XXXXXXXX XXXX  and graduated in XX/XX/XXXX with benefits remaining and XXXX educational related debt. 

On XX/XX/XXXX I received an email saying my student loans were transferred to XXXX. I figured this was fraudulent because I was using my GI Bill and my student loan from XXXX was paid in full. After several months of receiving mail from XXXX regarding a student loan, I ran an official credit report from XXXX XXXX XXXX XXXX and saw a {$2700.00} outstanding student loan through XXXX as of XX/XX/XXXX. I attempted to contact XXXX to figure out how this outstanding loan was possible given the circumstances I explained above. After an hour of waiting on hold, I was informed that my student loan was transferred AGAIN to a company called EdFinancial services. When I spoke to an EdFinancial representative via phone call, I was told that my loan was taken out through XXXX XXXX I asked them to send me the promissory note as proof of this loan 's existence. I just received the promissory note ( over a month later ) stating that the loan is from XX/XX/XXXX for XXXX XXXX  ( not XXXX ). I attempted to login to XXXX XXXX XXXX to obtain records for my proof of payment, but the website directs me to XXXX. I am extremely frustrated and at a loss as to how this mistake occurred in the first place, and especially the difficulty in obtaining any useful information through the three different companies. At this moment, it seems impossible to speak to any person with the authority and access to information that can remedy this mistake. 

I apologize for the length of this explanation, I thought it was necessary to fully explain. 
Thank you for taking the time to read this.
Consumer complaint received 2024-07-03
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION (PA)

from XX/XX/XXXX to XX/XX/XXXX charges, we filed on mine and my husband 's joint Capital One credit card to an excess of XXXX dollars. I didn't notice them, unfortunately due to illness, until XXXX of XXXX. I contacted Capital One fraud claims they started and investigation with the determination that they did not see any fraudulent charges and we would be responsible for the full amount ; this was later sent to a collection agency. The statement showed That numerous charges ( up to XXXX per day ), were placed on our card for XXXX online XXXX other charges were filed for cruise lines and eateries. I filed charges with the XXXX XXXX, XXXX  police department and filed identity theft claim.
Consumer complaint received 2024-07-09
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. (PR)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2023-09-15
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. (GA)

Hi, hope all is well! My name is XXXX XXXX and I write to dispute certain information in my file resulting from items that i did not consent to authorize nor benefit from. Please REMOVE this information no more than 15 days after receiving this request as required from the law in the FCRA. 

The following accounts : Account : XXXX XXXX XXXX XXXX DATE OPENED : XX/XX/XXXX  ACCOUNT TYPE : AUTO LOAN Inquiries : XXXX XXXX XXXX XXXX DATE OF INQUIRIES : XX/XX/, XX/XX/XXXX  and XX/XX/XXXX  15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) BlockExcept as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Failure to comply to request 15 U.S. Code 1681o - Civil liability for negligent noncompliance ( a ) In generalAny person who is negligent in failing 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 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) 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. These accounts should not be furnished on my consumer report as they are in VIOLATION. I am a victim of identity theft, it has been 30 days and you are in violation off this law! Please delete these items immediately. 
Under, 15 U.S Code 1681b In addition, Transunion, Equifax and Experian are suppose to report everying 100 % the same and correctly. Please delete this inaccurate information off of my credit report. 

Sincerely, XXXX XXXX Enclosures : Proof of identity, Identity Theft report
Consumer complaint received 2024-07-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

53rd bank has been allowing XXXX and XXXX XXXX to access my account and steal my money from my checking account and not reimbursing my money. Ive had multiple fraudulent transactions occur on my account amounting to {$520.00} more or less and I disputed the transaction and they refused to handle it and return my money. I never authorized these transactions. They are violating the XXXX because when a depositor makes a deposit the amount of money in the account is a record of the money the bank owes to the public because banks borrow from the public, there is a Liability ( receivables ) and Asset ( payables ) creating on there book keeping entries and also a demand deposit account. Its referred to as off sheet balance book keeping.
Consumer complaint received 2023-09-15
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: EQUIFAX, INC. (FL)

Yes I've filed a complaint about this company to you guys before. The XXXX XXXX XXXX is not reporting my car payments to Equifax. I contacted Equifax and they said there isn't an account on file with XXXX XXXX in my name. There for they are not reporting my car payments to the credit bureau. I contacted XXXX XXXX today XX/XX/2023 about this issue again which has still been an issue with this company and this the second complaint that i filed about them. They said to like they always say to me that they will file a dispute to the credit bureau or with whom ever handles issues like this. I just want them to report my payments to the credit bureau. Because like I told them I'm telling you. I pay my car payments on time twice in every month and I haven't missed a beat. I would like them to report this outstanding payments to the credit bureau so I could get my credit score and get my credit where it's due. Please help me once again resolve this issue.
Consumer complaint received 2023-09-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (VA)

On XX/XX/XXXX I XXXX  customer service phone number for PayPal.I called number XXXX and a man identified himself as a PayPal representative. I told him I had an ongoing issue by with hackers in all my accounts. I thought I had closed everything down and opened a new one. My daughter sent XXXX XXXX  which I never got., about XXXX months ago, my son did a test run by sendinXXXX XXXX XXXX to my account... never got it. We finally started using email address instead of user name.now it works but this guy who called himself XXXX said he needed access to my phone because it had been hacked and he needed to verify me. I had to put in a code, he wanted me to open a cash app account, put XXXXXXXX XXXX cash in the bank and buy XXXX.Then he could give me the XXXX . He also gave me this Number : XXXX and had me add him to my contacts.i stupidly did but I hung up quickly did a factory data reset.cancelled my checking account, changed a bunch of passwords ... etc. I called his number later and it said the XXXX subscriber you want is not available. I tried calling and texting XXXX and pay pal. Nobody gives a hoot.They could care less. So someone has my XXXXXXXX XXXX and probably my info and I'm really upset.This world sucks
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Credit Systems,Inc. (GA)

Ive contacted company and passed landlord they told me I didnt owe the balance that was stated. The company told me landlord was to NOT communicate with me did not provide proof on how they received my information. Last time Ive contacted them they removed report but will occasionally readd my information to reports without my consent or permission.
Consumer complaint received 2023-09-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

I received a copy of my credit report and found the following item ( s ) to be errors. See the attached copy of my credit report ; the errors have been highlighted. Here as follows are items in error : XXXX  Account # XXXX Because I can't seem to find any please provide proof that I've ever been late on a payment to this account. In the event that you are unable to produce evidence of a late payment, you need to change the status to paid on time every time ( s ). 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days of receipt of this letter. 

They claim to never get payment in XXXX but I got a statement proving the received
Consumer complaint received 2024-07-09
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (TX)

Upon checking my credit score, it was brought to my attention that on XX/XX/XXXX there was a citibank credit card opened under my name. This card was never opened by me, this was opened fraudulently using my social security number. This card was maxed out at {$6800.00} and has now been closed as of XX/XX/year> by credit grantor CITICARDS CBNA. I have gone ahead and reached out to CITI bank and informed that this Credit card was opened fraudulently under my name, they have informed the account has been closed and there is nothing that can be done at the moment. They informed that fraud investigations will reach out to me if additional information is needed. I did receive an email on XX/XX/XXXX to confirm if opened this card, I never confirmed the card through the email. If i would've caught this on earlier i was have obviously declined me opening this new credit card.
Consumer complaint received 2024-06-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (SC)

USAA Federal Savings Bank has Confirmed by USAA Fraud Agent in XXXX XXXX on XX/XX/year> that the USAA Bank was Involved in Financial Breach of Contract by Illegal Covrer Government Entities Fraud with USAA Federal Savings Bank NA XXXX XXXX and XXXXXXXX XXXX XXXX in XXXX XXXX XXXX XXXX  By Claimant in Final USAA Member Disbursement Case # XXXX ( USAA Corporatate {$350.00} US Funds Stop Payment Fraud Indemnity with XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Fraud Resolution Team ) Investigatie with Impunity USAA Is Immediately Required To Issue New Final Disbursement {$350.00} To Permanently Terminatite This USAA Member Checking Account by this Illegal Third Party Criminal Character Assination FBI XXXX SC Is Currently Investigating Financial Fraud New York Attorney General XXXX XXXX is Involved in XXXXXXXX XXXX  XXXX XXXX Trust Violations By Federal Court Mandated Action in Illegal Interstate Commerce Fraud Indemnity XXXX XXXX XXXX XXXX Claimant Due Process of Law
Consumer complaint received 2021-07-21
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: Credit Service of Logan, Inc. (MD)

Issue is with making payments. Company will not accept debit or credit cards. These methods allow payments to be made on time. As a result of having to drop payments I am late and fees are added and once again they are trying to repossess. They accept checks but deposit to soon causing NSF and as a result not able to write checks. When I demanded to wait for deposit the check clear but after they refused to take checks as prior the one that cleared they deposited two early and they did not clear. Money orders are dropped but payments could be on time if we the consumers could pay by card. I am seeking some resolution with help us the consumers to pay by cards. Please advise. The payment collect method keeps the consumer behind and at risk of losing property along with fees added.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAINE & WEINER COMPANY, INC. (NJ)

Dear Sir/Madam, I am writing to formally dispute inaccurate and fraudulent information present on my credit report, as governed by the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( a ). The following account is in question : XXXX XXXX Account XXXX Total fraudulent amount : {$1200.00} Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX, XXXX XXXX  Account XXXX : XXXX Total fraudulent amount : {$1400.00} Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX, XXXX XXXX XXXX Account Number : XXXX Total fraudulent amount : {$4900.00} Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX, XXXX Account XXXX : XXXX Total fraudulent amount : {$3100.00} Date fraud began : XX/XX/XXXX, XXXX XXXX Account Number : XXXX Total fraudulent amount : {$930.00} Date fraud began : XX/XX/XXXX. 

Hard Inquiries XXXX XXXX XXXX XXXX XXXX Public Information Type of Business Personal Loan Companies - XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Bank XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I have reviewed my credit report, and it has come to my attention that the information pertaining to the above-mentioned account is erroneous and has a detrimental impact on my creditworthiness. I believe that my rights under the FCRA have been violated, and I am formally requesting an investigation and correction of this matter. The account in question has been inaccurately reported as mine. I suspect that my personal information may have been compromised and used fraudulently to open this account. I have not authorized any such account, and this is a clear case of identity theft. The credit reporting agency has not sufficiently verified the accuracy of this information before including it in my credit report, which is a violation of the FCRA.
Consumer complaint received 2022-01-09
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I received a notification that an account was opened in a bank in Connecticut on XXXX XXXX. I live in New York. It showed up on my XXXX XXXX report on my credit card app I have for XXXX XXXX. I have the address and I checked them out online. Its XXXX  so I cant call because they are closed, but I have not opened any new accounts and it shows my account is current with them. I will be calling them first thing in the morning.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX Incorrect Name : - XXXX XXXX Listed below are the Collections that are being challenged XXXX - XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX  XXXX XXXX XXXX XXXX  - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Consumer complaint received 2023-09-15
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: TD BANK US HOLDING COMPANY (FL)

I have been writing to the second mortgage lien holder of the above referenced property since XXXX, XXXX, which is TD Bank. I have been requesting the accounting for the Home Equity Line of Credit since I last paid for it in XXXX. I went through a XXXX  XXXX bankruptcy and thought the Home Equity Line of Credit had been dismissed through the bankruptcy process and I received a loan modification. When I went to sell it earlier this year because I am having financial difficulties in paying this loan, TD Bank sent a payoff charging for interest since XXXX. I could not sell the property because I would have to bring money to the closing table. TD Bank has never attempted to collect this debt. I have been writing to TD Bank since XX/XX/XXXX and sent them three Qualified Written Requests. To date, they have refused to respond and provide an accounting of the home equity line of credit. I need to sell this property so that it does not damage my credit and need TD bank to cooperate with me in discounting what is owed. At this time, TD Bank has not received any payment and will not receive payment if the property is foreclosed. I am attaching copies of the three letters sent to TD Bank via certified mail along with the USPS confirmation that the letters were received. I need to sell this property to keep it from damaging my credit and would appreciate a response from TD Bank to see how we can move forward and resolve this issue. The first lender, XXXX, is already beginning foreclosure action against me. I have attached copies of my letters to TD Bank along with the US Postal Service confirmation that the letters were delivered to TD Bank. Any assistance in having TD Bank communicate with me regarding this issue would be greatly appreciated.
Consumer complaint received 2024-07-20
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CMRE Financial Services, Inc. (TX)

I received a debt collection notice from CMRE Financial Services in XX/XX/year> for a medical debt that I do not owe. Upon investigation, I found that according to Tex. Fin. Code 392.402, any debt collection agency collecting in the State of Texas must have a valid surety bond filed with the Secretary of State. Two separate phone calls to the Statutory Documents Section of the Office of the Secretary of State confirmed that CMRE Financial Service 's XXXX, OH location ( from which they mailed the collection notice ) has never had a surety bond filed with the Secretary of State 's office.

The Secretary of State 's office also confirmed on two separate phone calls that all debt collection agencies collecting debts in the State of Texas must have a surety bond posted FOR ALL LOCATIONS FROM WHICH THEY ARE COLLECTING. Since CMRE Financial Services 's XXXX XXXX does not have a valid surety bond with the Texas Secretary of State, they are illegally collecting debts in the State of Texas and in violation of 15 U.S. Code 1692e ( 1 ) by false representation or implication that they are bonded by the Texas Secretary of State. The Office of SOS encouraged me to file a complaint with the Texas Attorney General and the CFPB.