davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-04
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: EQUIFAX, INC. (NY)

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have not applied for these accounts are fraudulent.
Consumer complaint received 2017-05-19
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (TX)

Walmart Credit card has as an MO when you pay the full balance or close to the full balance in Cash or electronic transaction, wait more than 5 days tpo post and release your credit card with the new balance. For example on XX/XX/XXXX I make a payment of {$800.00} to my Walmart credit card using their online portal, on XXXX the money was retired from my checking account, on XXXX Walmart system said that the payment was posted bot the amount was not release from my credit card. XXXX Walmart system said that the payment was posted bot the amount was not release from my credit card. XXXX/XXXX/XXXX Walmart system said that the payment was posted bot the amount was not release from my credit card. XXXX/XXXX/XXXX Walmart system said that the payment was posted bot the amount was not release from my credit card. XXXX/XXXX/XXXX Walmart system said that the payment was posted bot the amount was not release from my credit card. On XXXX/XXXX/XXXX I called them because I want to know why my credit card balance is not release even the got the payment in cash more than five days ago. They said sorry and not satisfying explanation given.
Consumer complaint received 2023-07-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XXXX an account was opened in my name from XXXX XXXX XXXX XXXX Original Creditor ) XXXX XXXX XXXX XXXX XXXX XXXX with a open balance of {$640.00}. Iam starting this claim to have this account disputed and removed from my credit.
Consumer complaint received 2023-08-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY (NJ)

I have a cheking account # XXXX with Td Bank named cutomer relation chect was opened with my home mortgage loan with the bank loan # XXXX. On XX/XX/XXXX I sold my car XXXX XXXX XXXX to someone I never see him but all was online .on XX/XX/XXXXXXXX  I discovered that Td bank online stopped the transaction, I noticed that it was scam and fake check. After two hours aroung XXXX XXXX i was suspended online from any access to my accounts eaither checking or mortgage loan. I contacted TD Bank XXXX customer services XXXX XXXX on XXXX XX/XX/XXXX informed me that the bank took action against me by blocking me online and cancel my customer relation account. 
I did not do anything and I should not be punished, the one who should be punished and treated bad the scamer not TD Bank customer for above 15 years, I never ever delay payment one day or have even any credit issue. Td Bank treated me unfairly compleatly. I am a victm not criminal. I served the XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, please help me.
Consumer complaint received 2023-08-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 

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 2021-04-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Mendelson Law Firm (MS)

Mendelson Law Firm did not inform me that I could dispute the debt and threatened to garnish my wages on a debt that had passed the statute of limitations. I did not receive any notice until, the notice stating that a judgement against me had been made and I did not want them to garnish my wages, and agreed to make payments. I have made five payments on the debt, but the debt amount is not showing a decrease and I am not receiving statements with new amount owed. 

Also, the company bought the debt for much less than they are charging me, yet they are charging me the original amount plus fees. They paid less than {$1500.00} for the debt. They are charging me over {$5000.00} which should not be legal. 

I have made payments every month since the agreement. They agreed on XXXX per month, but I have been paying {$50.00} every month.
Consumer complaint received 2023-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Relay Financial (US), Corp. (CA)

I purchased a product from a vendor that turned out to be defective.I reached out to the vendor who simply gave me the runaround. I have kept all emails of those discussions. 

Since the vendor was uncooperative, I have been attempting to file a dispute with Relay Financial for over a week now. Their customer service is pretty much non existent. I began a dispute on their website and it directed me to call an XXXX number to file a dispute, after I called this number, which was just an automated system, it hung up on me. I called again and chose a different option to file the dispute and it redirected me to another phone number that told me that no one is available at this line despite it being during normal business hours. I reached out to the parent Bank, XXXX XXXX XXXX XXXXXXXX, and they also gave me the runaround. 

It is very frustrating to not be able to file a dispute for a product/transaction that is serving me no purpose. This was my final recourse.
Consumer complaint received 2023-08-20
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: Experian Information Solutions Inc. (TN)

In accordance with the Fair Credit Reporting act XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXc. # XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX XXXX # XXXX, 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
Consumer complaint received 2023-08-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (NY)

In XXXX of last year I applied for the Student Loan debt relief as well as to receive an immediate refund for payments made during the Covid-19 period ( Totaling {$5900.00} ). On XX/XX/XXXX I checked my account and saw that my balance is back to its original value after ive made payments towards it for the past 2+ years. I reached through email support and was told " The refund request is still processing. By refunding your payments we will re-open the loan ( s ) on your account and there will be an outstanding balance on your loan ( s ) ''. After several months of not getting any updates I noticed that my balance was now {$0.00} on the loan but that was because the loan servicer was changed in XXXX of XXXX. From there I called my loan provider several times between XXXX and now to ask for a status of my refund. I was always told that it is processing until one day I was told that my refund was released to me by mailed check back in XXXX of XXXX which I never received. When I first put in the refund request I was told it will be refunded to me the same way I've made the payments which should have been a direct transfer to my bank account. I advised them I never received a check in which they said they need to audit my refund check to see if it was ever cashed and if not they would send it again. I called several times for updates up until XXXX of XXXX when I was told that I need to call the Dept. of Edu. as they are the ones processing the refund. Between XXXX and now I called the Dept. of Edu. 4 times for an update, the first 3 times I was told that it was still processing but the 4th time I was told by the rep " You need to speak to your loan provider because the dept. of edu. does not handle refunds '' I explained to the rep that my loan provider was who advised me to call them and that I was able to get a status of the request the past 3 times I called. The dept. of edu. rep still insisted this has nothing to do with them and that they have no way of checking any statuses for refunds. At this point I'm very frustrated with the situation as it has drastically been affecting my livelihood as with the increased debt on my credit report has lowered my credit scored and made it very difficult in my search for an apartment rental.
Consumer complaint received 2023-05-17
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. (GA)

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. 

Account name : XXXX  XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXXXXXX XXXX XXXX XXXX  XXXX, Account name : XXXX XXXX XXXX, 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 an 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 2023-08-17
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: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-23
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. (SC)

XXXX The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : # 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX 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 an 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. 
XXXX
Consumer complaint received 2023-08-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (FL)

I was the named trustee and sole beneficiary of a trust account being held through Wells Fargo. I was never notified by Wells Fargo that the account was in existence - an account in which I was the named trustee and the sole beneficiary. Wells Fargo never notified me about the opening of the account, never sent me a monthly statement ( as required by federal law ) and never sought my permission to make trades and transfers ( as required by law ). Wells Fargo also violted the Know-Your-Client Federal Law by never meeting with me. 

In fact, Wells Fargo went out of its way to keep this account secret from me. 

When I learned of the account, totaly by accident some 20 years after Wells Fargo had secretly set-up this account, Wells Fargo then illegally transferred the funds out of the account into new accounts with secretive names. The broker at Wells Fargo bragged, while under oath and in a recorded interview, that I would never be able to track or retrieve the funds belonging to me.
Consumer complaint received 2023-08-22
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. (NY)

I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENTITY THEFT.
Consumer complaint received 2023-05-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (IL)

I respectfully request your prompt attention to the following inaccurate information on my credit report. The following item is inaccurate negatively affecting my credit please re-investigate this matter and delete end or corrected speeded item. I respectfully request that you provide me with proof of the disputed item specifically any contact note court document or any instrument be having my signature. Failing that this item must be deleted.
Consumer complaint received 2023-08-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX 15 USC $ 1681c-2 a consumer reporting agency shall block the reportingof any information in the file of a consumer that the consumer identifies as informnation that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in direct VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 USC 1681b- Permissible purposes of consumer reports ( 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 accordancewith the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts/items listed IMMEDIATELY!
Consumer complaint received 2023-06-06
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: Experian Information Solutions Inc. (TX)

I submitted a letter to the 3 Credit Bureaus last XX/XX/XXXX, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again 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
Consumer complaint received 2023-02-18
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: D&A Services, LLC (IA)

On XX/XX/2023 I received a text message from a family member stating that I needed to call XXXX XXXX at XXXX. This number is associated with D & A Services, a debt collection agency out of XXXX XXXX, IL. D & A Services is in violation of the Federal Fair Debt Collection Practices Act ( FDCPA ) for contacting someone other than myself regarding a debt I allegedly owe.
Consumer complaint received 2022-11-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Ascendium Education Group (OH)

XXXX XXXX - XXXX/Ascendium received notice that their alleged debt was disputed. 

XXXX or XX/XX/XXXX XXXX/Ascendiums false claims were removed from credit reporting agencies & XXXX  ceased collection attempts. 

-XXXX. XXXX XXXX claimed to have acquired the alleged debt from XXXXAscendium XXXX 

-XXXX. XXXX XXXX received notice through CFPB, of the multiple criminal & civil violations being committed me. 

XXXX XXXXXXXX XXXX/Ascendium sent me a Legal Notice in regards to XXXX student loan claim in my past bankruptcy case stating [ in part ] : You are receiving this mailing to let you know about recent activity involving an attachment to a proof of claim Ascendium Education Solutions , Inc. filed in your bankruptcy case ... Ascendium filed a proof of claim in your bankruptcy case related to your student loans ... [ it ] had an attachment on which personally identifiable information... had been redacted... Ascendium later learned that, although the redacted information was not visible on the face of the attachments, it could be manipulated in such a way that it could be uncovered and viewed ... Ascendium is unaware of such manipulation or access involving your dataYou dont need to take any action... 

-XXXX. XXXX XXXX/Ascendium has sent me an email which appears to be a resumption of collection attempt on the alleged debt.
Consumer complaint received 2023-08-22
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: MID FLORIDA FINANCING LLC (GA)

My car was repoed in XXXX I have yet to receive a letter of intent to sale to the auction the bank says they dont have to give me that information but I looked it up and thats a XXXX XXXX please help me as I get my lawyer involved
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that TransUnion, XXXX, & XXXX will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-16
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: Experian Information Solutions Inc. (WI)

I'm in the process of reviewing my consumer report and noticed many inaccuracies regarding Account # XXXX including but not limited to, Account Status, Date Opened, Last Reported, Date Last Active, Date of Last Payment, as well as Payment History. 
15 U.S. Code 1681e Compliance procedure states : 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. Please investigate and provide proof the the consumer reporting agency was in compliance with this matter. Please delete from my report, from this agency, for violating compliance procedures. Thank you for handling this matter.
Consumer complaint received 2023-02-21
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Dear BOFA, I have a hard inquiry on my account on XX/XX/2023. I did not authorize my credit file to be pulled. I would like to request a deletion of the hard inquiry on my credit report.