davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (MI)

Purchased a product online from a person who misrepresented themselves as a business with a product for purchase. 
Payment was sent from my bank account through Zelle service offered from my financial institution. ( XXXXXXXX XXXX ). My transaction sent but said pending in my account status, I became suspicious and immediately notified the bank and was told transaction could not be cancelled or reversed. 
Regulation E should apply in this instance and protect consumers. 
Item was never sent or received however money was fraudulently obtained.
Consumer complaint received 2023-04-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK (TX)

XX/XX/2022 I ordered a shower door from XXXX. The door that was delivered was not the correct one. It was returned and the account was credited. Since then I have been billed twice for the correct door that I refused at my front door. I disputed and Discover found in XXXX 's favor. Since I have talked to XXXX and they requested that Discover find in my favor and Discover refuses to do that as the file was closed. i will not pay for a {$600.00} door that I do not have. Discover has sent my account to collection. I am caught between XXXX and Discover with each pointing at the other.
Consumer complaint received 2023-09-30
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc. (CA)

Since XXXX, the Department of Education ( " DEPT of ED '' ) has been reporting my personal information to XXXX, XXXX, and XXXX in violation of 15 USC 6802, FERPA, UDAAP, and the 1974 Privacy Act. Since learning about these violations of my federally protected rights, I have made numerous complaints to XXXX, XXXX, and XXXX, as well as, to the different servicers of my federal loans such as XXXX XXXX, Navient, and XXXX. To date, the DEPT of ED, XXXX, Navient, XXXX XXXX, XXXX, XXXX, and XXXX STILL CONTINUE TO REPORT MY PERSONAL INFORMATION IN VIOLATION OF MY FEDERALLY PROTECTED RIGHTS. DEPT of ED FAILED to provide me with any of the disclosures that allow for me to opt-out of any/all reporting of my personal information nor were they supposed to disclose my information without my permission per FERPA and the 1974 Privacy Act. DEPT of ED, XXXX, Navient, XXXX XXXX, XXXX, XXXX, and XXXX continue to willfully, negligently, and recklessly report my personal information, and transaction experiences on my consumer credit report AND credit file. DEPT of ED, XXXX, Navient, XXXX XXXX, XXXX, XXXX, and XXXX failed to act to protect my personal information as required by 15 USC 6802, FERPA, UDAAP, and the 1974 Privacy Act.
Consumer complaint received 2023-04-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have sent the credit bureaus a letter months ago informing them of the inaccurate information they are reporting. The account XXXX XXXX should be deleted from my credit immediately because it was purchased by another lender, and they are already reporting the account as a collection. XXXX and Transunion are committing double jeopardy and I will be seeking legal action if this account is not removed immediately. The collection agency that purchased the account and is reporting on my credit report is XXXX XXXX XXXX XXXX. Please delete this account from my credit report within 15 days.
Consumer complaint received 2023-05-11
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. (NC)

After sending MULTIPLE complaints, there are still MULTIPLE FRAUDULENT items on my credit report. I hope they will be deleted IMMEDIATELY because I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. These accounts are not mine.
Consumer complaint received 2023-06-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

Good Afternoon, I'm trying to file a claim against citizens Bank and need some assistance. I went to withdraw money out of their ATM on XX/XX/XXXX, at XXXX XXXX XXXX XXXX Ma XXXX XXXX  XXXX XXXX XXXX ) at XXXX. XXXX Dollars and no money ever came out so to prove I was there and they took my money I tried again to got the receipt which I'm providing to you. The card I used was an EBT card which I get cash benefits on I really need to pay my rent and need that money and I don't know how else to get it back. 

This should never happen Thanks
Consumer complaint received 2023-07-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-04-13
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: EQUIFAX, INC. (MO)

I am writing to bring to your attention an issue I have encountered with my credit report. Recently, I discovered that there was a fraudulent account on my credit report that was affecting my credit score. I followed the proper procedures and reported the fraud to you, and you removed the account from my credit report. 

However, I recently checked my credit report again and was shocked to see that the fraudulent account had been added back onto my credit report. This has caused me significant distress for me, and I am writing to request that you remove the account from my credit report once again. 

Additionally, under section 1681i of the FCRA, consumers have the right to dispute any information they believe is inaccurate or incomplete in their credit report. If the credit reporting agency can not verify the accuracy of the information in dispute, it must be deleted or corrected. This may include delinquent accounts that are no longer accurate or valid. 

It's important to note that credit reporting agencies are required to follow specific procedures and timelines when investigating disputes and updating credit reports. If you believe that a credit reporting agency has not followed the proper procedures in handling your dispute, you may have legal options to pursue.
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Affirm Holdings, Inc (CA)

These 3 personal loans XXXX, XXXX. XXXX were open fraudulently by Affirm and were sent to XXXX XXXX for collection. 

XXXX XXXX never contacted me either via email/mail/phone to try to solve the issue but sent the accounts straight to collection causing and extremely negative impact on my credit reports and employment. 

I submitted a police report and a complaint with the Federal Trade Commission to XXXX ( credit report agency ) but nothing has been done about it.
Consumer complaint received 2023-05-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capital Accounts, LLC (CA)

This debt collector never provided me with mailed notice about disputing this debt. In fact, I have disputed this debt with this debt collector and have not received a response to my debt validation request. They are also not licensed to collect a debt in my state.
Consumer complaint received 2023-09-30
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (MA)

I purchased two appliances via XXXX 's and applied, ONLINE, for a Brandsource Credit card boasting 0 % interest for 24 months. I completed the application online and created an ONLINE account. To date I have received my stove but not my refrigerator. Approximately two weeks ago I received my card in the mail and have been unable to register it online. I keep receiving an online error message saying my card can not be registered. I can not reach anyone who speaks English at XXXX. Today I received three calls from " Consumer Protection '', supposedly a division of Citi. I hung up because I could not understand the foreign callers and I thought it was a scammer. I called back this afternoon and was able to speak to a woman who spoke English fluently ( XXXX ). XXXX said neither Citi or Consumer Protection are authorized to assist me because I have not called them with the 4 digit " verification '' code they mailed to me, via letter, 2 weeks ago. XXXX said no one at Citi can give me my balance, tell me when my first payment is due, mail me a paper statement, allow me access to my account online or tell me if I am racking up charges and late fees, all because I never received a " verification letter '' they claim they mailed. So, now I have to wait another 7-10 days for this letter to be mailed, I have to call a number and provide that code before they will assist me. So, to be clear, they allowed me to apply online, without any sort of verfication. Allowed me to purchase at least $ XXXX worth of appliances, mailed ME A CREDIT CARD WITHOUT VERIFYING ME, BUT THE MINUTE I WANT TO MAKE A PAYMENT OR ASK FOR MY STATEMENT, I CAN NOT BECAUSE I NEVER RECEIVED A VERIFICATION LETTER THEY SAY THEY MAILED? HOW IS THIS EVEN LEGAL? They will not tell me my balance, will not tell me whether or not I have accrued any late fees and will not tell me if I have lost my interest free promotion. How is this even legal? I am asking for the third time, that a paper statement be mailed to me, any fees, late charges or interest be removed and this account closed immediately please. I do not care to do business with the likes of this company. What a trap.
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA (PA)

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NV)

I have online accounts with all 3 credit bureaus ( XXXX XXXX, and MyEquifax.com ), however, I am unable to access an up to date credit report through my online portal with XXXX. I am also unable to access my XXXX and Equifax credit reports through my credit monitoring services with XXXX I am told that my information is not matching up and therefore XXXX 's system can't pull in the other 2 reports. I have attempted to contact both XXXX and Equifax numerous times by phone, by mail, and online and I simply can not get through to anyone to help me fix whatever the issue may be and I still do not know exactly what the problem is. I was told by XXXX that I had to be helped by a special handling department but could not get through to anyone when I called multiple times. This issue has been going on for at least a year and I am just extremely frustrated because I need to be able to access my credit reports and credit scores.
Consumer complaint received 2023-02-15
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have online accounts with all 3 credit bureaus ( XXXX TransUnion.com, and XXXX ), however, I am unable to access an up to date credit report through my online portal with TransUnion. I am also unable to access my TransUnion and XXXX credit reports through my credit monitoring services with XXXX I am told that my information is not matching up and therefore XXXX 's system can't pull in the other 2 reports. I have attempted to contact both TransUnion and XXXX numerous times by phone, by mail, and online and I simply can not get through to anyone to help me fix whatever the issue may be and I still do not know exactly what the problem is. I was told by TransUnion that I had to be helped by a special handling department but could not get through to anyone when I called multiple times. This issue has been going on for at least a year and I am just extremely frustrated because I need to be able to access my credit reports and credit scores.
Consumer complaint received 2023-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

Racial Discrimination & Bias in Defamatory, Negative, Inaccurate and Irrelevant reporting of personal information to credit reporting agencies without my expressed written consent nor permission. This is a violation of my right to privacy, as well as, a direct violation of The Fair Credit Reporting Act, and several statutes pertaining to consumer consent under 15 U.S. Congressional Code 1681.
Consumer complaint received 2023-06-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.
Consumer complaint received 2023-09-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MI)

My direct student loans are serviced by MOHELA. Before the payment pause, I was on the REPAYE program. MOHELA automatically switched me to the SAVE program, but is incorrectly calculating the payment and has not responded to my inquiries. Specifically : the payment amount would be correct if I was a single filer ( disposable income calculated with a one person poverty line amount ), but I filed married filing jointly ( no dependents, so a 2 person poverty line should be used ), and my wife also has federal student loans ( so my payment amount should be pro-rated by the proportion of our loan balances ). 

I have not been able to reach MOHELA by phone, and they have not responded to email inquiries.
Consumer complaint received 2023-05-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Tried to have the following accounts removed as they should not be on my report anymore : XXXX XXXX XXXX XXXX XXXX XXXX Nothing was done.
Consumer complaint received 2023-09-30
Product: Mortgage — FHA mortgage
Issue: Problem with fraud alerts or security freezes — 
Company: MIDFIRST BANK (MO)

XXXX XXXX was not licensed in the state of Missouri at the time these documents were produced. 
XXXX XXXX produced a FHA loan in XXXX XXXX name, XX/XX/XXXX. 
XXXX XXXX produced a loan in XXXX XXXX name, XX/XX/XXXX. 
Both for the amount of XXXX total of XXXX FHA loans as shown from XXXX XXXX XXXX website. 
XXXX XXXX ' email XX/XX/XXXX stated the Note was damaged when in fact the note was never signed or agreed. 
XX/XX/XXXX new XXXX XXXX sent the Missouri attorney generals office a document stating that it was a Note we signed. 
XX/XX/XXXX XXXX XXXX XXXX sent XXXX XXXX a Note with different signatures as shown in the documentation. 
As shown in the documents provided I have sent new American funding documents showing clear evidence. 
XX/XX/XXXX email questioning XXXX XXXX about the situation, XXXX XXXX stated XXXX XXXX was added later, the reason being not married. 
XXXX XXXX was added later, how is the loan dated 2 months apart with XXXX loan XX/XX/XXXX and XXXX XXXX XX/XX/XXXX? 

XX/XX/XXXX is the date they have on the addendum only in XXXX XXXX name Stating he was married, he worked at XXXX XXXX, documents are robotic signatures. 
He did not work at XXXX XXXX at the time. He was not married. Stating the no cash out refinance was due to a bona fide financial crisis. 
I have attached a XX/XX/XXXX statement showing we were ahead XXXX payments until XX/XX/XXXX. 
No payments were ever missed, we were never in any financial crisis nor did we ever state we were in any situation of financial distress. 
As shown in the document provided In fact we both were not working at the time both receiving unemployment due to XXXX XXXX. 
New American funding received forbearance money XXXX cares act filing form XXXX with the irs XXXX tax documents. 
I believe the information from XX/XX/XXXX was used As you can see the dates XXXX XXXX XXXX loan and XXXX XXXX loan XXXX. 
XXXX XXXX name was removed from the original loan dated XX/XX/XXXX. 
I have sent proof of new American funding using unsafe methods including naf technology open source software and projects to hack into my ip address. 
I have more information and documents I am more than happy to provide, I am not the only person they have done this to the federal government has been made aware XXXX XXXX XXXX has been fined by the federal authorities and have been charged in court for the same reason as I have provided evidence of this is ongoing. 
Underwriting as many FHA loans as possible for issuance payments including modification of documentation and information other than provided or not provided to new XXXX XXXX.
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

THIS ACCOUNT IS REPORTING INACCURATE AND HAVE VIOLATED MY CONSUMER RIGHTS DUE TO MILD PRACTICE. THIS ACCOUNT IS REPORTING INACCURACIES ACROSS ALL ( XXXX ) CREDIT BUREAUS. 



BK OF AMER
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

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. I told the Experian, XXXX, and XXXX to reinvestigate this account : XXXX XXXX XXXX [ XXXX XXXX XXXX  ] account number : XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Consumer complaint received 2023-04-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281, SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Consumer complaint received 2023-09-30
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. (MO)

In accordance with Fair Credit Reporting act the list of accounts below have violated my federally protected consumer rights and privacy and confidentiality under 15 USC 1681. I have the right to privacy. 15 USC 1681 section 604 A section 2 it states a consumer reporting agency account can not furnish an account without written instructions. No consumer reporting agency may take any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more then seven years. ( XXXX XXXX ) And ( XXXXXXXX XXXX  )