davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (WA)

they wont provide my notice of approved and my written wett ink signature .so XXXX XXXX mainly are taking info off and reporting back months latter its been a year dealing with this obviously all three agencies are insuating their okay with me filing a federal claim for their willingly and knowing deceptive acts .i get denied but they extend my credit .and in these reports they give to others doesnt have correct info i should have zero late payments. they are providing credit transaction when i extended my credit im the only one submitting ftc police report doing my obligation. they keep saying i need to give them mysecuirty info to my login cause the secuirty question they ask is the question for resetting password and they asking question with out the muliple choice answer. XXXX and XXXX. obviously their intercepting problem because they resetting logg in they good liars. i had rep today state they will not unfreeze my credit freeze i verified all my info automated machine when verifying what they reporting is in correct. .but same info i give rep honestly XXXX has secuirty issue their not aware off. i have a bank for the last two weeks been reminding me to unfreeze XXXX report. every day i waste hours getting extorted for info .you guys need to audit these agencies also a supena and analyze their calls youll see what they do right in front of you.i need my credit report unfreezed from XXXX i need them to provide in 24 hours my written signature date time the sent them giving my consent any agenencies or crediotr can report to my credit report.
Consumer complaint received 2023-04-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: DISCOVER BANK (NM)

This situation started on XX/XX/XXXX of this year, Just last month. I was at work, XXXX  of a XXXX Unit when my Boss came in and stated she needed to print out paperwork for me. The paperwork was from XXXX XXXX XXXX with a garnishment of my pay which I had no idea was even held. I had not received anything related to a court. On the court papers sent to me, The date stated XX/XX/XXXX. I had not received any notice of a lawsuit. Again, I received the court paperwork in XX/XX/XXXX. I called and talked to the court secretary and stated I had never received any notice from Discover about the lawsuit. The secretary stated the plaintiff had told the judge they had mailed a notice to me at my home listed on the paperwork. I informed her I never received a notice nor wasI given a notice from a process server from the court. The paperwork from the court is still in my possesion. In the paperwork it stated I had never made any payments to the balance. This is inaccurate. I paid monthly against the balance, however, the majority of the payment went to interest on purchases. In fact, from, the payments sent, between XXXX to XXXX dollars, XXXX to 90 % went to interest on Purchases. The balance continued to grow each month. Over time it became impossible to make the payments. This was very disturbing for me. Not being able to put the money towards the balance. I finally had to stop due to the balance increasing.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

they wont provide my notice of approved and my written wett ink signature .so XXXX transunion mainly are taking info off and reporting back months latter its been a year dealing with this obviously all three agencies are insuating their okay with me filing a federal claim for their willingly and knowing deceptive acts .i get denied but they extend my credit .and in these reports they give to others doesnt have correct info i should have zero late payments. they are providing credit transaction when i extended my credit im the only one submitting ftc police report doing my obligation. they keep saying i need to give them mysecuirty info to my login cause the secuirty question they ask is the question for resetting password and they asking question with out the muliple choice answer. XXXX and XXXX. obviously their intercepting problem because they resetting logg in they good liars. i had rep today state they will not unfreeze my credit freeze i verified all my info automated machine when verifying what they reporting is in correct. .but same info i give rep honestly XXXX has secuirty issue their not aware off. i have a bank for the last two weeks been reminding me to unfreeze XXXX report. every day i waste hours getting extorted for info .you guys need to audit these agencies also a supena and analyze their calls youll see what they do right in front of XXXX need my credit report unfreezed from XXXX i need them to provide in 24 hours my written signature date time the sent them giving my consent any agenencies or crediotr can report to my credit report.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

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 2023-08-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (CA)

I previously made a complaint about this disputed transaction and still unhappy with the outcome. They gave me provisional credit and charged me back again. The issue is that I disputed the transaction of {$50.00} because the merchant refused a refund. I did not receive the service as promised, so I disputed my transaction with my bank and I later got a letter with the final decision and they did not get my funds back because they said there was enough information to support my claim. I also emailed them all the information they asked from me. The transaction details are Date : XX/XX/2023, Amount {$50.00}, XXXX XXXX XXXX XXXX XXXX XXXX. The second time around they sent me another letter saying they were charging back the provisional credit because there was still not enough information. They asked for the same information and I sent them all the information they needed through email. I am not sure why they keep refusing my dispute when my claim is valid. I am not satisfied with the service and the decision they made.
Consumer complaint received 2023-10-02
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. (NC)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXXXXXX 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 2023-10-02
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. (AZ)

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 2023-10-03
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Debt Mediation, Inc. (TX)

Company sent me a copy of the lease, The signature is no my signature, they use a passport That passports was missing, I tried to talked with apartment but they doesnt exist anymore I going to report this with police department The company professional debt mediation Said they cant provide information about who hired them They messed my credit up I really need a clean credit to buy a home I dont know what I can do about this
Consumer complaint received 2023-10-02
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. (PA)

I am Not liable for these accounts listed XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Theses account are Fraudulent. 

FTC Report Attached.
Consumer complaint received 2020-03-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CO)

In 2017, i was contacted about refinancing my loans to get one payment with a lower interest rate through a company called XXXX. They were a third party company that does everything to get your loan transferred to a different company. That company was XXXX. Not only did they lie about where {$100.00} a month was going ( should have been going to my student loan ) they were putting that in their pocket. When i wrote in a letter to cancel my subscription the mail got forwarded back to me and when i called the number no longer existed. My XXXX  payments were $ XXXX  monthly for a year. When it was time for a new recert of my IDR and many hours of talking to XXXX on the phone it turns out that the XXXX people told them that i was single with XXXX dependents. Which is not true. Im married with XXXX  dependents. XXXX  didnt want to deal with it anymore and transferred all my loans over to FedLoan Servicing. FedLoan is now trying to charge me $ XXXX/month. Which i can not afford, when before i consolidated i was only paying around ~200 using XXXX XXXX and XXXX  before the consolidation. The whole system is extremely XXXX up.
Consumer complaint received 2023-10-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (DC)

Many attempts to contact via phone and chat to no avail. The chat feature is simply never available and the phone lines are always busy. I was able to contact studentaid.gov customer support and they informed me that it is the responsibility of Ed Financial to finish the last steps of my application. I submitted my application XX/XX/ and it is now XX/XX/. It has been two months and I know it can be a downward trend from here since it is very possible that Ed Financial may not even be aware of my application for an unknown reason.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Transform Credit Inc. (CA)

I went to check my credit and I saw my scores dropped by XXXX points when I checked it said I had a {$350.00} loan from transform credit so I said that wasnt me and it seemed as if it was a XXXX XXXX monthly payment for the next 5 years and the first payment had been taken out of my bank but that wasnt me who did it and I want my credit to go back to the way it was and fix this mistake/ fraud.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

in accordance with the Fair Credit Reporting act 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 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 2023-10-02
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. (OH)

in accordance with the Fair Credit Reporting act 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 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 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC. (FL)

Item 8 : - Account Name : XXXX XXXX - Inquiry Date : XX/XX/XXXX - Reason for Dispute : Because this specific hard inquiry is fraudulent and the result of an identity theft. According to the Fair Credit Act all fraudulent inquiries should be removed please. 

Item 9 : - Account Name : XXXX XXXX XXXX  - Inquiry Date : XX/XX/XXXX - Reason for Dispute : Because this specific hard inquiry is fraudulent and the result of an identity theft. According to the Fair Credit Act all fraudulent inquiries should be removed please. 

Item 10 : - Account Name : XXXX XXXX XXXX. 
- Inquiry Date : XX/XX/XXXX - Reason for Dispute : Because this specific hard inquiry is fraudulent and the result of an identity theft. According to the Fair Credit Act all fraudulent inquiries should be removed please.
Consumer complaint received 2023-10-03
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Home Loan Center, Inc. (OK)

I attempted to take a loan out through a company called lending tree. They requested my accounted information, which I naively gave them it, because of that, they tried to deposit fake checks. Those XXXX fake checks put my account in the negative at an amount of XXXX and got my account frozen. I am currently in the process of going through a compliance committee in order to get my bank account reinstated.
Consumer complaint received 2023-10-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (KY)

on XX/XX/2023 I made a payment on my student loan with intent to pay of the principal and interest and to pay off the loan. Loan sequence number XXXX. The amount due was : {$20000.00} so my bank account processed this payment and posted it. MOHELA says they " can't locate this payment ''. 


on XX/XX/2023 I made another payment on my student loan sequence number XXXX for the amount of {$10000.00} ( principal + interest ). I got a bank confirmation this payment was processed. MOHELA once again " cant locate this payment ''. 

It has been over 3 weeks and I am still accruing interest on these loans even tho I paid them off.
Consumer complaint received 2023-10-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (IL)

This summer, my student loans were moved from XXXX moved to Mohela. On XX/XX/XXXX I applied to the new SAVE program, knowing that repayments were starting on XX/XX/XXXX. 

I have requested to have Paperless contact from Mohela, so all of my official letters from the company come through the online Inbox in their portal. 

On XX/XX/XXXX, I received a letter in my Inbox from Mohela that was backdated to XX/XX/XXXX, telling me that I had been approved for one month of Forbearance ( which is a standard practice when switching between IBR plans to the new SAVE plan ), and that my Forbearance period is from XX/XX/XXXX - XX/XX/XXXX. It stated that if I had not paid my {$5.00} Forbearance payment, that I needed to contact them by phone. I have not been able to find any information indicating that I did pay at the time of my application ( I don't think I was ever given an option to make that payment ). Mohela has had hours long wait times, and despite trying to contact them, I have not been able to get through. 

I also received a second letter in my Inbox on XX/XX/XXXX, backdated to XX/XX/XXXX, that stated that I had been approved for the SAVE plan, and giving my new SAVE payment amount. The letter also states that my SAVE payments would not start until my deferment period ends ( Per the Forbearance letter - after XX/XX/XXXX ). 

However, on the Mohela website, instead of showing that I am in Forbearance, it says that I owe my first payment towards the SAVE plan starting on XX/XX/XXXX. 

I received these two conflicting letters on the same day, and they gave me conflicting information about the status of my account, and about my payment amount. 

Additionally, because Mohela was so delayed in uploading my official letters into my Mohela Inbox, I did not receive ANY information about my repayment amount until XX/XX/XXXX, which was only one week before payments were due to restart on XX/XX/XXXX. This is not enough time to plan for something as big as student loan payments. It also has not been enough time to get in contact with a representative from Mohela to have my questions answered, particularly when each attempt to call requires hours of wait times, and when some of those calls end in disconnections or hangups before even being able to reach a representative. In fact, I have once again been sitting on hold with Mohela while filling out this complaint, and a complaint with the Department of Education. This current call wait time is one hour and counting.
Consumer complaint received 2023-07-04
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. ()

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, Account Number XXXXhas violated my right 15 U.S.C 1681 Section 502 A. States I have the right to privacy.

`5 U.S.C 1681 Section 604 A Section 2.It also states consumer report agency can not furnish a account without my written instruction.
Consumer complaint received 2023-10-02
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)

Noticed negative accounts was reported in my credit report XXXX - XX/XX/XXXX, both accounts were for apartments in the XXXX, Arizona area. I never resident there due to me being XXXX XXXX XXXX XXXX, North Carolina while I was on XXXX XXXX service in the XXXX XXXX until XX/XX/XXXX. Accounts was then turned into collections as of XXXX - XXXX of XXXX and are derogatory. Closed credit card with XXXX XXXX was placed on my credit report XX/XX/XXXX, I never opened an account with XXXX XXXX and status was updated on account XX/XX/XXXX. I sent multiple dispute letters over this time period and have received no results from the credit Bureaus.
Consumer complaint received 2023-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Block, Inc. (TX)

I tried getting my old account with XXXX XXXXcashapp closed and the funds transferred to my new account. However the company refused to do this! Ive explained that my card along with my vehicle, wallet and both phones were stolen in an armed robbery and offered the case number as well as the phone number to the police for verification. The company still refused after telling me to create another account which would then allow them to close my old account and transfer funds! This did not happen!!!
Consumer complaint received 2023-10-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (CA)

I was living in XXXX XXXX before XX/XX/2023 I cancelled my membership with XXXX XXXX XXXX in-person. He said you good to go. However they still charge me. I called my bank to put a stop for XXXX XXXX Now they send me collection. This should be illegal.
Consumer complaint received 2023-10-02
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: Experian Information Solutions Inc. (MI)

I disputed an XXXX XXXX account/tradeline on or around wih Experian. Experian alleges they conducted a re-investigation and provided the results on XXXX XX/XX/2023. Experian claimed " The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. '' To be clear the " updated '' information is alleged to be for the same account/tradeline. It is clear Experian did not conduct a reinvestigation because the comments for the dispute pertained to the account/tradeline XXXX XXXX XXXXXXXX with the comment SEND ITEM ALREADY MATCHES THE DISPUTE REQUEST. Therefore, Experian did NOT conduct a reasonable reinvestigation compliant with 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). Although 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) requires more than a cursory examination investigation into a dispute, had a cursory invesigation been conducted Experian would have found the documents suppplied for the correct account/tradeline were false/misleading/inaccurate. Since Experian failed to conduct a reasonable re-investgation, the XXXX account/tradeline needs to be removed.