davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-18
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 : 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 below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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 2017-09-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MA)

Partially motivated by frustration with the company 's ( Fedloan Servicing ) customer services and also fear that the PSLF would not last 9 years, I decided to consolidate my federal loans with a private company ( XXXX ). Before the consolidation was applied, I made very large payments to my federal loan account. The payments took many weeks to apply and then the consolidation payment was applied to the account. I called several times between the months of XX/XX/XXXX and XX/XX/XXXX to determine when the refund would be processed. Because I made large payments and consolidated, there was an overpayment. I was told it would post in 60 days, then in 90 days. After 90 days, I was told the refund would post " soon. '' Finally, a refund posted to the account of the consolidation loan. The amount was approximately {$10000.00} less than the amount I was owed. I have attached a spreadsheet to document my payments, and also, the amounts in question. I also emailed the company on XX/XX/XXXX and XX/XX/XXXX and the company never responded. Further, the website will not let me access a payment history, so I must use my own bank records.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.
Consumer complaint received 2023-09-15
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: Winklevoss Exchange LLC (CA)

XX/XX/XXXX  To : GEMINI Card Holder Service Account Ending : XXXX Purchase made XX/XX/XXXX at XXXX XXXX  Disputed to Gemini on XX/XX/XXXX at XXXX XXXX  Hello, After I submitted my complaint on XX/XX/XXXX, I sent an email to the XXXX XXXX XXXX, requesting proof of no access to the system since XX/XX/XXXX to current day ( XX/XX/XXXX ,XXXX  ). ( attached email ). 

After I sent the email asking for proof of no access, I received a notification of new access to the system, they gave me access on XX/XX/XXXX  ( attached proof ). 

Then I sent another email to the merchant requesting the money back for contract violation, I did not have access from XX/XX/XXXX to XX/XX/XXXX  this is 72 days with no access, If we count the days from XX/XX/XXXX  to XX/XX/, it is 53 days with no access, right? 

If they received the funds on XX/XX/XXXX  the merchant needed to give me access immediately instead of told me to pay again if I needed access to the system on XX/XX/. 

Again, here there are the proofs per your request. Please advise, that I never completed the course, and I never was able to complete any requirement. 

XXXX XXXX  will never send me the proof of no access from XX/XX/XXXX to XX/XX/XXXX, but sending me new access to the system on XX/XX/XXXX  this is enough proof. 

Sirs, I am sending you all the proofs to you. Please refund the full amount of {$8600.00} and all interest charges since XX/XX/. 

Sincerely XXXX XXXX XXXX
Consumer complaint received 2024-11-04
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: TRUIST FINANCIAL CORPORATION (NJ)

We had some extensive repairs done via XXXX XXXX XXXX Construction of XXXX XXXX XXXX, XXXX, XXXX  in XX/XX/XXXX. We considered taking a loan via the finance company XXXX XXXX uses, Service Finance Co. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX. The terms were to be no payments for a certain time frame without interest. Despite our excellent credit Service Finance would only agree to 90 days repayment without interest, therefore we paid the entire amount due to XXXX XXXX when the work was complete. 

Service Finance has called me several times and each time I told them we paid the bill in full and would not be taking a loan. Today I received a Welcome Letter indicating my first payment is due in XXXX XXXX. I have written to Service Finance and sent a copy of the paid in full invoice. I have cc 'd XXXX Notice and your organization on my letter.
Consumer complaint received 2023-03-31
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: Experian Information Solutions Inc. (CA)

This is a complaint against Experan This is regarding XXXX XXXX pulling my credit without my authorization. On the XXXX of XXXX, XXXX I received a call at XXXX XXXX  from XXXXXXXX XXXX XXXX ( phone # XXXX XXXX XXXX ) offering a pre-qualified loan, without mentioning the amount. The person that I talked to said that XXXX of the requirements was to have a cars title under my name, I said that I dont have a cars title as I use the car provided by my employer. After that the call hang up and I did not hear from them anymore. Later that day I received an alert from XXXX XXXX saying that I have a new inquiry. I checked my credit report and I noticed that XXXX XXXX XXXX  pulled my credit without my consent. I also noticed that the same company pulled my credit in the past without my authorization in the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX m asking to remove the inquiries of XXXXXXXX XXXX XXXX from XXXX, XXXX and experian as I never authorized them to pull my credit, nor was informed of the access to my credit. I believe that XXXX XXXX sold my information and thats how XXXXXXXX XXXX XXXX accessed my credit information. Im attaching a copy of the police report of identity theft, Please, as a credit company, they have to protect XXXX/ but I feel unprotected, I am already having serious problems because my identity was stolen, I have a fraud alert in the XXXX credit companies/ but I feel that this does not stop the criminals who want to continue stealing my blood, this whole identity theft case has me completely unprotected.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX, or TransUnion ) credit report, and I noticed a late payment posted on my credit report : 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 written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in 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.

Delete the above late payment from my consumer report, this agency is in violation of 15 USC 1681.
Consumer complaint received 2024-07-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC. (NC)

I received a notice exhibit 1 in uploads, from Caine & Weiner dated XX/XX/year> claim they are a debt furnisher, this letter didn't advise me that I could dispute or how to dispute and it was very vague. Within ten ( 10 ) days of the date of their letter the debt collector updated this negative item to all three consumer reporting agencies. This update took place on XX/XX/year> and it was done without my written or verbal consent. Their initial letter didn't give notice that I could dispute their collection, nor did it provide the option to opt out of their communication and furnishing. 

Caine & Weiner violated my rights and the laws of the FDCPA, first by NOT obtaining written permission to furnish information pursuant to 15 USC 1681 ( b ) ( 2 ). The second violation was pursuant to 15 U.S. Code 1692g, as they did NOT send me the required written communication within five ( 5 ) days of the original letter furnishing the five ( 5 ) required information below : ( 1 ) the amount of the debt. ( 2 ) the name of the creditor to whom the debt is owed. ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector. ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 

After an alert from my XXXX monitoring account that this was updated to my consumer report, I sent a cease-and-desist letter ( uploaded copy ), as well as a validation of debt letter ( uploaded copy ) to Caine & Weiner dated XX/XX/year> with USPS tracking number XXXX XXXX My letter addressed the violations above and it demanded they remove this item from my consumer report as well provide. I have now received another notice from then dated XX/XX/year> ( exhibit 2 in uploads ) stating that my account with XXXX insurance has been listed with their company for collections. This second notice from Caine & Weiner still doesn't meet the five mandatory points listed above pursuant to 15 U.S. Code 1692g ; nor did the most recent notice provide tall of the information I requested in my validation of debt letter. This isn't acceptable as they clearly have already violated the FDCPA regulations and have now harmed my character and any chances of me obtaining credit for personal improvement in my financial wellbeing.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

Regardless of the multiple written requests, the accounts listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN and XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the accounts below in my file 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
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IA)

Improper use of my private credit report. I did not give permission for this company to access them and provide false and misleading information on them. This was a checking account and NOT A LOAN as stated on my reports.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX, Tranunions, and XXXX Name : XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX remove Late payments Account Number XXXX
Consumer complaint received 2024-07-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (TN)

Citibank and their subsidiary client services violated the FDCPA by calling repeatedly with intent to harrass and intimidate. I have requested numerous time from Citibank directly and through the CFPB that they provide the call logs for all calls made to my phone number from XXXX through XXXX from them and their subsidiary XXXX XXXX XXXX To date Citi does not seem to either be willing to provide the information or quite frankly their representative that keeps responding an XXXX XXXX is too stupid or just incompetent to be able to read a complaint and respond and provide the information I am requesting. Here is what I am asking for : 1. a copy of the call logs made to my phone number from XXXX through XXXX from both Citi and XXXX XXXX XXXX XXXX I would like the records to include all calls made by a person, a dialer and to also include all calls made from " spoof '' phone numbers and not just their standard phone numbers. 

I have no doubt that once again they will not provide this information and will try and force me to call them which certainly goes against the spirit of this provision of the FDCPA. I have written them directly on XXXX to request this information ( attached ) called on XX/XX/24 and spoke with a representative XXXX ( ID XXXX ) who could not assure me the call was being recorded all though I requested it and that I could not speak with XXXX directly. XXXX further stated he was not sure how long it would take to receive a response if indeed I received one at all but when pushed for an answer he said 15 days. Additionally, despite Citi bank noting and a previous letter they would not attempt to collect this debt at this time XXXX chose to attempt to try and collect further showing that Citi is corrupt and violating the law and also going against their own statements they chose to put into writing and on file with the CFPB on a previous complaint.
Consumer complaint received 2023-09-01
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. (MI)

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2400.00} XXXXXXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX Balance : {$14000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX Balance : {$2400.00} XXXXXXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX Balance : {$14000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX Balance : {$2400.00} XXXXXXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX Balance : {$14000.00} XXXX XX/XX/2022
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IA)

PLEASE BLOCKED AND REMOVED I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.
Consumer complaint received 2024-07-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY (CA)

American Express has violated my rights based on 15 U.S. Code 1692c. This debt is not mine and I have sent them a cease and desist to stop all communication with me.

They have continued to contant me.

I will be seeking legal action unless these erroneous accounts are removed from my credit reports within XXXX hours. 

ACCOUNT : XXXX This erroneous account seems to show twice on my XXXX XXXX report and once on my XXXX. XXXX has long removed this mistake. 

Please remove these accounts from my credit report immediately.
Consumer complaint received 2024-07-24
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (OH)

I took out a title loan on XX/XX/XXXX for {$6700.00} - the finance charge ended up being {$5000.00} for a total of {$11000.00} - I was told if I paid off early it would reduce amount owed- I paid it off XXXX years early and was told the payoff amount on the date I paid was {$5100.00}. On XX/XX/XXXX I paid the loan off in full - then got a statement from them stating the balance was {$8000.00} and my interest refund of {$2200.00}, credit for unemployment insurance in amount of {$98.00} and guaranteed asset protection ( GAP ) refund in amount of {$500.00} was applied to the original loan -the total they kept was {$2800.00} - XXXX paid the loan off early and this should have been credited to me. They are very deceptive-I did not know I was paying for XXXX or XXXX insurance. They had a class action lawsuit they lost in XXXX for this same practice but they are continuing to deceive consumers. They should have to pay me back the {$2800.00} - they lie and say we can pay off early to avoid the fees and interest and when we do they charge you the entire amount anyway.
Consumer complaint received 2023-12-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (TN)

I am in the post action class for borrower defense forgiveness of my loans from XXXX XXXX. MOHELA keeps telling me that Department of Education has not provided them with information to defer my payments because my loan will be forgiven. I have contacted Dept of Ed and they have sent the form twice but MoHELA says they do not have it. Dept of Ed told me to ask for deferment and mohela said they could not defer my payments without something from Dept of Ed. I feel I am getting the run around and can not get a straight answer. Neither side seems to know what to do or what is going on.