davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (KY)

I XXXX, XXXXagent requested a bill statement monthly payoff for the account on XX/XX/XXXX and the statement was posted to the online account on XXXX. The bill statement is due by the XXXX of XXXX. 
On XX/XX/XXXX the first letter of instructions ( claim of credit ), POA, federal reserve section 16 and 29, and the negotiable instrument of the bill statement monthly payoff endorsed was sent to the CFO ( XXXX XXXX XXXX ) over night and was received on XXXX the XXXX at XXXX XXXX ( letter of instructions states 5 business days will be given to receive a response. A copy of the endorsed negotiable instrument of the bill statement monthly payoff was sent to the billing center requested in the letter that was sent to XXXX XXXXPrincipal. No correspondence from the CFO was ever received of completed instructions. The second set of instructions that was sent to the CFO ( opportunity to cure ) along with POA, federal reserve section 16 and 29, and the negotiable instrument of the bill statement monthly payoff on XX/XX/XXXX and received on XX/XX/XXXX at XXXX XXXX giving 5 business days to respond. No correspondence has been received at this time from the CFO. The third set of instructions will be sent on XX/XX/XXXX ( default of notice ) along with POA, federal reserve section 16 and 29, and the negotiable instrument of the bill statement monthly payoff. Again, given 5 business days to respond accordingly. All instructions were sent overnight using USPS with tracking. Also, all items sent had to receive a signature upon delivery. A copy of this file complaint and all evidence has been sent to the CFO as well. As of XX/XX/XXXX the instructions have not been completed by the CFO at this time. As of now the CFO of Discover Financial Services is in violation and breach of contract of the following laws/acts : 15 USC 1611 , 3-602, 3-603, 3-604, 3-611, 3-408, 3-409, federal reserve act section 16, and federal reserve act 29. Due to the nature of the violation, I am seeking remedy of the bill statement monthly payoff to be paid out for the account with Discover Financial Services and 1 percent of the total assets of Discover Financial Services member bank.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I submitted FTC reports Credit bureaus failed to submit proof of account ownership. 
XX/XX/year> I filed a complaint. I was never sent any information on these 3 accounts XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-01
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-14
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)

On XX/XX/XXXX I contacted XXXX to notify them that they had misutilized my information and published nonpublic information without my consent. My nonpublic personal information was shared with third party non affiliate agencies both by my bank and the credit reporting agency. I expressed my right to opt out pursuant to 15 USC 6802. My rights under the Privacy Act of 1974, 15 USC 1681, 17 CFR 424, 16 CFR 313.10 ( a ) ( 1 ) ( iii ), 16 CFR 313.7 ( f ) upon others were violated by the publishing and sharing of my information by XXXX, Transunion, and XXXX along with the banks and credit unions which shared this information with the third party non affiliates. My credit information was shared without proper disclosure to third parties which reflected promotional inquiries on my credit report. There were numerous non mailable addresses listed on my report. There were soft and hard inquires along with transaction history and income listed on my report. Not only was I not provided proper disclosure that this information was shared and published, but it is also illegal to report income as explained in the IRS publication 4681. Please read the attached letter for a detailed description of these specific violations which were neither cured nor acknowledged by the credit reporting agency.
Consumer complaint received 2024-02-01
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. (FL)

On XX/XX/XXXX, I was made aware that another name and identity was associated with my social security number. As a result, I contacted TransUnion 's customer service department and was advised not to dispute the unrecognized inquiries, but to call FTC and report identity theft. After contacting FTC, I was advised to file a complain with the CFPB instead. 

I am requesting that these Inquiries be removed from my credit report as they are NOT associated with my identity. The inquiries were made as a result of identity theft and do not belong on my consumer credit report. 

XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX ( Retailer ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX I will provide documents to support this claim as I have been a victim of identity theft. 
It is hurting my ability to open a banking account.
Consumer complaint received 2024-09-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (GA)

XXXX has failed to provide a refund to the treasury department in relations to my borrowers defense application. I submitted a complaint back in XX/XX/XXXX on here in which they stated they were in the process of calculating the refund and will be sending it to treasury. I have spoke to them numerous times over the summer and they continue to tell me that they were calculating the refund and will send it to treasury. I even talked to them last week about this in which they stated the same. Now this week they are saying Im not due a refund because ( 1 ) they have not received anything about refund from borrowers defense and ( 2 ) I received a small refund under XXXX XXXX XXXX XXXX and my loans were forgiven. 

In the first instance, they have received information from Borrowers defense because I called Borrowers defense and they stated they sent information over. That information stated I am part of the full class, which means I am due refund on all payments made on those loans. 

In the second instance, I receive a small refund for the overpayments made on the PSLS and my loans were forgiven. I did not receive a full refund all my payments. 

Mohela supposed to reclassify the loans under borrowers defense which we discussed back in XX/XX/XXXX. Currently in student aid.gov it has been reclassified under borrowers defense. 
It is XXXX responsibility to calculate the refund and issue the information over to treasurer department. Borrow defense does not calculate the refund. They simply sent them the information showing I qualify for borrowed defense full class. 

They have now missed two deadlines to issued information for the refund. XX/XX/XXXX the original XXXX XXXX deadline for full class and now XX/XX/XXXX for complex consolidation loans.
Consumer complaint received 2024-05-14
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. (NY)

PLEASE BLOCKED AND REMOVED I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.
Consumer complaint received 2024-09-02
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. (CA)

Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.
Consumer complaint received 2024-09-03
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: BARCLAYS BANK DELAWARE (OH)

I refinanced my home and paid off this loan. Due to closing times, this loan was overpaid by {$990.00}. The loan was paid XX/XX/XXXX. The online account says that a check for the refund was sent on XX/XX/XXXX. I have not received it. Since then I have spent HOURS on the phone asking about my check. I was told in XXXX it would be resent. I called XXXX and was told that it was never sent in XXXX. SInce then have been told multiple times it was being sent and then when I don't get it, I am told the check was never sent. I was supposed to have it in hand by XX/XX/XXXX. It is XXXX and today i was told, again, it was never sent. 

I spoke with XXXX, operator ID XXXX and her XXXX XXXX XXXX ID XXXX
Consumer complaint received 2024-05-14
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 USC 1681.

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 inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2024-05-14
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. (AZ)

Pertaining to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Furnishing False Statements on consumer 's Credit Report as well as committing Mail Fraud sending consumer Unauthorized Solicitation, like fake invoices to the consumer in regards of making the consumer reliable for a fraudulent debt payment which is the responsibility of XXXX.
Consumer complaint received 2023-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY (CA)

I applied for a credit card through Wells Fargo at a 0 % interest rate for 12 months which I planned to use towards some repair work I needed done at my house. I was approved and sent the credit card along with two giant checks. The contractor did not have the means to accept a credit card but said he would take two checks for payment. I read the information regarding the the check usage and everything I read led me to believe that they could be used same as the credit card unless i used them as a balance transfer. I was not transferring any balances so I wrote the checks. A couple days later when I called the automated number to make sure the contractor cashed the checks, I was shocked that the balance was in fact {$380.00} more than I charged. I called the bank right away and they told me that the {$380.00} was a transaction charge for making a balance transfer! I told them that I did not make a balance transfer and that I would rather pay cash out of my savings than lose {$380.00}. They said they would escalate my concern and someone would get back to me. A person named XXXX sent me an email around 10 days later with more language about using the checks as a balance transfer. I tried to call her but she is never available. Ii called customer service back and asked if I could just pay the balance minus the fees before the statement came and they said no. I feel like I was duped and that my money was stolen from me. I never asked for checks in the first place and for the bank to send two GIANT checks with tiny print about " balance transfer ' language that nobody understands with the credit card that I did request feels like fraud. 
The bank sent me photos which I am enclosing which I actually read but it is and never was clear to me that the checks are considered " balance transfers '' regardless of what you use them for. In my mind I always thought a balance transfer was a transfer of monies from one account to another not a payment like a credit card or regular check. 
Please help put a stop to this unfair practice.
Consumer complaint received 2024-08-23
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. (IA)

Ive been trying to have XXXX remove an account from my credit report because I believe it belongs to my ex-husband. Ive asked them for proof and all they send is a singular statement which doesnt show the information that was used to obtain the account or my signature proving Im the one that signed up for it. My ex-husband had access to all my information, And I am trying to get everything corrected
Consumer complaint received 2024-05-14
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. (IL)

FCRA 605B, I think, requires us to eliminate any incorrect accounts from my credit report. Could you check the documents, please? Some of the listed accounts have inaccuracies in reporting, including incorrect amounts and dates.
Consumer complaint received 2024-01-31
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. (NV)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-08-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (NH)

On XX/XX/XXXX I lodged a complaint with cfpb about my forced art institute loans through navient. In response navient sent me the misconduct application form as I qualified for it. I submitted it with evidence including my letter as a class member of the XXXX v. XXXX lawsuit, lawsuits against the schools both federal and state as well as proof of false graduation rates and employment snd salaries. On the evening of XX/XX/XXXX I recieved emails from navient confirming my application was approve for private loan dismissal. Since I graduated in XXXX I had been forced to make payments on these loans. Even though my evidence proved I was forced to take these loans out and they were forgiven I was denied restitution. This is unacceptable. Navient has put aside millions of dollars to settle private loan forgiveness. There is zero reason for them to deny restitution on school misconduct findings that they themselves approved. I am attaching my misconduct decision on the loans and payment history on the forgiven loans showing all the payments I have made since graduating in XXXX. Again I was forced to make payments on these loans for years. These loans were proven to be unethical and fraudulent. My payments should be returned in full. Navient has made reimbursements to the first few applicants of the misconduct form and it is known that they set aside {$35.00} million for cases like mine. I am fully entitled to a reimbursement as I have been approved through their misconduct form.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is XXXX my ability to obtain credit. Its my understanding that Transunion will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX Account Number XXXX
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 


XXXX. XXXX XXXX - XXXXXXXX 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  Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Consumer complaint received 2023-07-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (PA)

10 days ago, a man by the name of XXXX XXXX XXXX logged into my XXXX account and withdrew about {$160.00} from the account to his PayPal. I contacted the site ( XXXX ) about it, but they haven't answered. They left some personal information on the account and if it helps I will list below : First Name XXXX Last Name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX ZIP XXXX Date of Birth XX/XX/2000 Country of XXXX XXXX
Consumer complaint received 2024-05-09
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: EQUIFAX, INC. (TN)

XXXX XXXX XXXX XXXX XXXX, 2023, this credit inquiry was placed on my credit report, and have not applied for any form of auto loan from this company ( Possible fraud ).
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (DE)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"