davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2023-11-10
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. (NJ)

I did not authorize the following inquiries : 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
Consumer complaint received 2024-06-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MoneyLion Inc. (GA)

I started getting emails from Moneylion saying I had a payment due. I researched the company and called the number. They would give me information because I wouldn't verify my information with them. I asked them to send it to me in writing and proof I took a loan out. I've never heard of this company before. I never received no information from them showing it was me who took out a loan. I've disputed with all 3 credit bureau and not 1 can validate this to me.
Consumer complaint received 2023-06-07
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. (NY)

Their reporting is causing defamation of character. 
I want them to cease and desist with their defamation of character which is affecting my business affairs. 
XXXX, EQUIFAX AND XXXX.
Consumer complaint received 2023-07-26
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NV)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2022-09-23
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: Experian Information Solutions Inc. (TN)

I was recently checking my credit scores and found some inconsistencies. I also believe the list below has violated my rights to privacy and confidentiality under 15 USC 1681. 

XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 states a consumer agency can not furnish an account without my written instructions. 
Please verify that these are my actual accounts and provide me with verified information showing a signature signed by me through certified mail. 
Please also provide me with information showing that I gave the following accounts written permission to furnish my accounts. Please send the following through certified mail to each account.
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 2023-07-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Possible Financial Inc (MI)

I took out a {$100.00} Loan and ran into problems paying due to my bank rejecting payments due to fraud protection and noticed that they do not have a way to pay individual installments if you miss a payment you either have to pay the entire loan off or you risk damage to your credit due to a faulty, out of date payment system. I think this is an issue as you have no control of your payments like I can not make an individual payment right now at all. They also do not possess a phone number to call, instead depend on a email system that sucks and it takes agents days to get back with you and being that my credit is on the line, this is a issue.
Consumer complaint received 2023-09-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (MD)

On XX/XX/XXXX, I deposited my pay check in the amount of XXXX in my Truist checking account ending in XXXX. Lying in wait on XX/XX/XXXX, Truist records indicated that the company fraudulent and without legal authorization withdrew {$490.00} from my account without my knowledge or consent. On my account, Truist recorded the following information posted on XX/XX/XXXX. 
Transaction Details - {$490.00} Recovery Offset XXXX # XXXX FORCE PAY DEBIT MEMO Transaction Date XX/XX/XXXX Posted Date XX/XX/XXXX Transaction Type Debit Reference Number XXXX Receipt Attached : NO My checking account activity documented by Truist also reveals the Bank 's fraudulent practices when handling consumer banking. Truist posted the data below on my checking account without any prior notice to me, the consumer/banking customer. Truist company records above proves there was no prior notice given to me. It says " RECEIPT Attached : NO. Truist illegally withdrew {$490.00} from my personal checking account and it's records prove that NO receipt was attached at the time of the fraudulent withdrawal from my personal checking account. Any documents sent to me by Truist during the time of the bank 's illegal withdrawal bears a date after the fraudulent transaction. The date on the attachments included in this complaint by Truist bears the date of XX/XX/XXXX. Truist 's fraudulent transaction occurred on XX/XX/XXXX, without prior notice and written consent ( see attachments ). 

XX/XX/XXXX Recovery Offset XXXX # XXXX FORCE PAY DEBIT MEMO - {$490.00} - view details for XX/XX/XXXX Recovery Offset XXXX # XXXX FORCE PAY DEBIT MEMO XX/XX/XXXX Posted Balance : {$1500.00} There's a constant practice by the banking industry in noncompliance of the federal banking laws. 
The only debt I have with Truist is my mortgage payment in which was originally with Suntrust Bank initiated in XXXX. The merger with XXXX and Suntrust to create Truist caused the changeover in my mortgage. 
As a banking consumer, I had never had a direct monetary relationship with Truist. I never consented to a direct relationship with Truist. Any banking relationship I have was inherited and minimal, and with NO direct, written consent by me. 
As a result of this illegal and fraudulent act on behalf of Truist, I have suffered tremendous financial hardship. My next monthly mortgage has been tremendously threatened. My utilities are faced with cut-off notices. 

Truist provided me with NO PRIOR NOTICE before illegally confiscated funds in the amount of {$490.00}. All funds were illegally withdrawn from my account on XX/XX/XXXX, within hours after I made a large deposit in my account. Any notice to me was submitted by Truist two ( 2 ) days after the fraudulent and non-consensual withdrawal from my account ( see attachments ). This is not prior notice granted to banking consumers by federal law.
Consumer complaint received 2022-09-23
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (OH)

I bank at Chime Bank. I opened an account at XXXX Bank because my mother banks at XXXX and she had a XXXX several months ago and I am now paying the bills on her condo. It makes it easier. I set up a transfer and initiated it and XXXX returned it because I had mailed my signature card and it had not hit their system causing the account to be delay getting activated. Chime said it was suspicious and seize almost XXXX XXXX dollars. I did nothing nafarious, deceptive or illegal. I am expecting a direct deposit which will be returned. I am a XXXX vet and they are causing me unbelievable hardship and stress
Consumer complaint received 2022-09-23
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. (NY)

Experian has been the worst. They want to charge {$30.00} and upwards for information thats not complete or accurate. I have called many times because even after i make a proper account i can not login. The information to sumit disputes is always down and it has been down for at least 3 months. This company has been less than helpful and reluctantly transfers you to a representative. They do refuse to speak with customers at all times.
Consumer complaint received 2021-03-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

I have had a very difficult time with PHH. I have tried to submit for a loan modification a couple times. I was never able to communicate to the same person which always caused confusion. PHH always seemed to lose my paperwork, which I constantly had to re-fax. I fell behind in 2017 and had to file a bankruptcy to protect my self from this aggressive lender. I have paid them a lot of money to catch up. But PHH keeps adding fees and has been very difficult to deal with to resolve. I have recently been declined for a modification and feel is was not reviewed correctly.
Consumer complaint received 2022-09-23
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. (KY)

XXXX removed XXXX XXXX and XXXX from my file. I have requested several times from Experian, XXXX and XXXX to remove XXXX XXXX XXXXXXXX XXXX because it was included in the Bankruptcy therefore by law should be removed. 
Not doing so is causing me great hardships and emotional abuse because of the defamation of my character.
Consumer complaint received 2023-07-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (MI)

Upon checking my credit report via credit karma, I observed a collections/charge off being reported on XX/XX/2023, for a XXXX XXXX XXXX XXXX account said to have been opened on XXXX XXXX. This is showing an owed balance of {$3000.00}. I was recently the victim of identity theft and had other fraudulent charges appear on my credit report from other retailers as well. I never signed or entered into any contract/agreement with XXXX XXXX XXXX XXXX. I never received any itemized billing statements from XXXX, nor have they made any attempt to verify this account or the charges stated. This account and any charges incurred were done fraudulently and without my knowledge. 

Convergent Outsourcing , Inc is now contacting me in an attempt to collect a debt from me on charges that were incurred without my consent or knowledge. These are fraudulent charges that I am not liable for.
Consumer complaint received 2023-09-29
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: EdFinancial Services (OH)

The student loan debt has caused a mental health strain on me entirety. The amounts being required to pay within an increment of time has made me feel without understanding or unheard of the reality of me. I noticed the the company continues to send emails as the supposable date to pay is in the next few weeks. This is all overwhelming as the there may even be a possible shut down, and this is more pressure on my mental and emotional state as well as my spiritual practices.
Consumer complaint received 2022-09-23
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: CAPITAL ONE FINANCIAL CORPORATION (NV)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is the several times I've complained about being a victim of identity theft. You must remove/block any accounts that were opened without my knowledge, consent, or authority within 4 business days with ( 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. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NV, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV, XXXX, CAPITAL ONE XXXX Open Date XX/XX/XXXX Balance : {$65.00}, CAPITAL ONE BANK USA XXXX Open Date XX/XX/XXXX Balance : {$6400.00}
Consumer complaint received 2022-09-23
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: NAVY FEDERAL CREDIT UNION (GA)

I began to work on my credit file last year when I noticed that several accounts were reporting negatively that I had no knowledge of. While I was able to rectify most of the accounts, one remains, which is the account reporting from Navy Federal. At the time this account was opened, I was federally incarcerated. It was clearly a case of identity theft. I provided not only the credit bureaus, but Navy Federal with a signed FTC fraud affidavit, an affidavit they required for their bank, my incarceration records, and a police report. 

It was not possible for me to apply for credit. I have tried without avail and demand that not only the credit bureau, but also Navy Federal remove this information as this is causing me great financial harm as I try to rebuild my life and future. Both are in violation of SEVERAL laws in regards to credit reporting.
Consumer complaint received 2022-09-23
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: Experian Information Solutions Inc. (FL)

I am a Consumer and a natural person who is aware of all rights that I have, and which are protected by Congress and under the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. According to the FCRA 15 USC 1681, everything must be 100 % accurate. I was not provided a copy of the completed investigation. 

I have a list of accounts below : XXXX. XXXX XXXX XXXX Account : XXXX XXXXDEPT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX Account XXXX XXXX Inquiries : XXXX : Inquiry date XX/XX/2022 XXXX  XXXX NA- Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXInquiry date XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX-Inquiry date XX/XX/2022 XXXX 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. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

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- @ ( 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2022-09-22
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. (PA)

MY NAME IS XXXX XXXX AND I AM WRITING THIS STATEMENT ON MY OWN BEHALF REGARDING THE INFORMATION ON MY CREDIT REPORTS. FRAUDULENT APPLICATIONS WERE SUBMITTED AND PROCESSED UNDER MY NAME OR IDENTITY WITHOUT MY CONSENT TO OBTAIN GOODS OR SERVICES. THE FOLLOWING INQUIRIES AND ACCOUNTS I NEED TO BE DELETED ARE LISTED IN THIS REPORT AND ARE ATTACHED TO THIS STATEMENT AS WELL : ACCOUNTS : XXXX  XXXX : OPENED XX/XX/XXXX XXXX XXXX : OPENED XX/XX/XXXX XXXX  XXXX : OPENED XX/XX/XXXX XXXX : OPENED XX/XX/XXXX INQUIRIES : XXXX/XXXX  : XX/XX/XXXX XXXX XXXX  SERVICES : XX/XX/XXXX XXXX  XXXX XXXX  : XX/XX/XXXX XXXX  XXXX : XX/XX/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
Consumer complaint received 2022-09-22
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. (AL)

In accordance with the Fair Credit Reporting act XXXX Account # 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 2023-07-11
Product: Credit card or prepaid 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 (MI)

On XX/XX/, I purchased a living room set ( sofa, love seat, ottoman, chair and tv stand ) from a store location closing sale at XXXX XXXX XXXX XXXX XXXX XXXXXXXX for {$3000.00} at XXXX and left to pick up my daughter from XXXX  and came back at XXXX. I was interested in a bunk bed and wanted to show her, eventually setting on a queen bedroom set and mattress for {$1500.00}. 3 days later after researching the company online and the statements regarding quality of the merchandise, I got out my receipt to try and call and cancel, not realizing at the time it said final sale. I called my credit card because I didn't know how to contact the merchant because the sales person said they would only be there until Saturday afternoon and it was Sunday. Capital One agent said, " don't worry, we will work with the merchant to get your money back '' and they opened a dispute. 

I didn't worry until I got my credit card statement emailed to me and saw the charges had been reapplied. I realized I received a document via email with the merchants response to the chargeback. I didn't know I was signed up for paperless statements including disputes upon opening the card 6 months prior. The merchant provided a false statement that they delivered the first set of furniture and then I returned and purchased more furniture that they couldn't deliver until XX/XX/XXXX. On the paper it says Thursday and it says XX/XX/XXXX and it says XXXX. The merchant is claiming to have delivered the merchandise between XXXX on XX/XX/XXXX when the transaction did not occur until XXXX that day. The credit card is ignoring my documentation based on a missed deadline of XX/XX/XXXX after stating on XX/XX/XXXX that I had 14 more days to continue the dispute. Calls to customer service resulted in conflicting and triggering information each time as they each gave different responses as to what I could do in order to continue the dispute. My issue is this merchant provided false conflicting evidence as well as a forged delivery acceptance paper, forging my signature and initials on it to influence Capital One to reverse the charges and gave the merchant more time to respond than it did me, as well as failed to make sure that I received their emailed document that involved {$4600.00} worth of merchandise that I never received. They are telling me, this is mastercards rules and that's it and failed to give me a valid phone number to reach mastercard and wasted my time forcing me to talk to inexperienced customer service reps.
Consumer complaint received 2023-07-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (AL)

Received notice on XX/XX/23 that I owed a standard fire insurance company {$820.00}. Called to see what this was about as Id never received any kind of bill for this and had no idea who standard fire insurance company even was. Man on phone and looked and asked have you had travelers insurance before? I said yes, in the past but Im with progressive now. He said oh ok. Its for the travelers plan. Ive never had any outstanding amounts owed to travelers. Received any notice from them about this. Nor was any insurance plan canceled due to non payment. None of it adds up. Online points to this company doing this to others. The only website they have requires you to enter personal sensitive information w the only options being basically to enter payment information when calling or trying to get on their website about it.