davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-04
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: Experian Information Solutions Inc. (MI)

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. 

Bankruptcy XXXX XXXX # XXXX, Bankruptcy XXXX XXXX : # XXXX, XXXX XXXX : # XXXX ( XXXX ), XXXX loan XXXX # XXXX, US Dept . of Education, 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, 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 7 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 2019-12-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONEMAIN FINANCE CORPORATION (CA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to zero or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
Consumer complaint received 2020-01-02
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Lending Club Corp (FL)

I inquired about a loan from Lending Club. They considered my inquiry as an agreement to take a loan. When I tried to cancel they refused to help me and made me get all the money back from my creditors which I promptly did. 

Lending Club claims they tried to pull the money from my account but they used the wrong account even though it was in the savings account they required me to have it in. 

Now they are saying I'm responsible for the full loan even though I complied to all their requests in a 20 day period. I have spent over 8 hours of hold time and phone calls with them trying to correct the situation and now they are trying to charge me an additional {$1500.00} above the loan amount even after they pulled the money back from my account. I'm already in debt and now {$1500.00} more in debt after paying them back for a loan I did not want. 

They are impossible to work with and get any acceptable results. This is the worst company I have ever dealt with
Consumer complaint received 2020-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MS)

i filed a dispute on XX/XX/2019 and XX/XX/2019, with Experian involving my credit report.it has been over 30 days with no reply, in which they has violated the law by not responding within the 30 days allowed.I am asking that that these items be remove from my credit report .they recieve it on XX/XX/2019 by certified mail XXXX, and i have all my letters to back it up.
Consumer complaint received 2020-06-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TX)

On XX/XX/XXXX, I contacted Navient about changing my payment plan. Currently, the Income based plan I am on is charging me more than {$600.00} a month, which is prohibitively expensive. The person I spoke with, XXXX, was very helpful. She explained that I could change to a graduated plan, the payment would be approximately {$190.00} a month for two years, after which time it would increase. I asked her about compounding interest, she said there was none, and I asked about a penalty payment or large payment to switch plans, and she said there was none. I told her I wanted to make that change. 
On XX/XX/XXXX ( my payment day ) Navient took {$610.00} from my bank account. I called them again, and spoke first to XXXX, who told me that at first, she couldn't estimate a new payment for me, then told me I had to make a " full '' payment to switch plans, and finallly came back and said I couldn't switch plans because one of my loans ( they are consolidated in to two groups which Navient now owns ) would have come due without the IRB plan. This is the first I have heard of such a thing. 
She then transferred me to XXXX, who said that my XXXX payment of more than {$600.00} could be used as this " bridge '' payment ( which I was told in XXXX I didn't need to make ) and that she was expediting the request for the graduated plan. I asked her at that time to confirm this for me in writing. She said she would do so, and that an expedited request would take 1-2 weeks. As of today, the only correspondence I received is a form notice telling me to call them if I want a new payment plan. I've already done that -- -- twice. I have sent an email to the customer service person who responded to an earlier complaint I had about their website showing a {$0.00} payment, when in fact they intended to take out {$600.00}. She has failed to respond at all. I think this constitutes fraud - I was told one thing, planned for a payment of approximately {$200.00}, only to have three times that much withdrawn, and then sent on a carnival ride of conflicting information. They refuse to put any information in writing. As of today, I seem no closer to the payment plan I requested. I have made monthly payments EVERY MONTH since XXXX, 2008.
Consumer complaint received 2023-01-13
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCF Intermediate Holdings LLC (CO)

SIMPLE. THE XXXX XXXX XXXX XXXX ACCOUNT WAS CLOSED AND REMOVED BY THE COMPANY THEMSELVES. XXXX AND XXXX HAVE ALREADY REMOVED THIS ACCOUNT BUT NOT XXXX. WHY? IT IS NO LONGER VALID SO IT NOW IS A UNFAIR BLEMISH ON MY CREDIT REPORT.
Consumer complaint received 2023-12-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (TN)

I have two issues to complain about - 1. In early XXXX I requested a refund of my payments for XXXX and XXXX. Because I wasn't given my loan bill in an adequate amount of time as required by law, I was placed in a forbearance. I called MOHELA and I was told that they would be refunded. On XX/XX/XXXX I received one payment but I am due one more. I would like that payment immediately to be credited to me. 

2. On XX/XX/XXXX I submitted my final XXXX XXXX via XXXX. My employer filled this out quickly and it is listed as completed and sent to servicer within one day, but it hasn't been reflected. I requested a forbearance while MOHELA completes my loan forgiveness and that so far, has also not been applied. The timeline is such that a payment will be due in XXXX because of the slow service provided to me- which will likely affect my credit score. 

I have called, and not gotten answers, the wait time for any call is XXXX. I have used the secure message feature, and I have NEVER had a message replied to. I feel service this poor can only be intentional.
Consumer complaint received 2019-12-31
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CMRE Financial Services, Inc. (CA)

I spoke to a single representative who refused to help me make payment plans for my debt. I had to pay all or nothing. All while applying a daily accrual of interest. There were additional {$650.00} of a bill, I have no record owing and the hospital had no record of. I've attempted contact by phone on their automated service and customer service lines. No one picked up for an hour. I emailed them, received no response of receipt. Emailed a week later with a reply that states their email is full and the email was routed to a different person in the same company.
Consumer complaint received 2023-06-29
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. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1666A 1666B 1666C 1666D 1666E and 1666F. Account Name : XXXX XXXX XXXX XXXX. A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Privacy and Consent, there is no law stating that late payments have to be reported. This has to be a billing error and needs to be corrected, effective immediately. This company is causing my credit score to decrease with reporting of my late payments that is illegal and there is no law that states otherwise. I am asking that they remove all information from my credit report 's and that's all XXXX bureaus including, XXXX XXXX.
Consumer complaint received 2022-10-04
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: Experian Information Solutions Inc. (FL)

I demand this account removed for my credit report because it was incorrectly published without my hand written consent. As a consumer I am protected by 15-USC-1681 sec A & B And my rights have been violated 1 ). XXXX XXXX XXXX
Consumer complaint received 2019-02-11
Product: Debt collection — Medical debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Allied Collection Services, Inc. (Nevada) (CA)

Called Allied with original bill As they changed date to date of purchased collection bill. They put in my credit which goes against credit fair act more then 7 years and 180 days. Sent proof of this and they refuse to take off. They are trying to reage a old bill which is illegal.
Consumer complaint received 2018-07-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Bank says my funds on my capital one 360 account is not available for withdrawal call this. Number for more info I call and they transfer me to security team thats only deals with Capital one notcapital one 360 even when I keep telling them on phone ur transferring me to regular capital one and they say no we dont even that number its only 360 so basically they locked my funds I go into bank and cant get my social security money In there because its locked and theres no security team phone number to unlock it and I want to just close my account at this point and get my funds
Consumer complaint received 2023-01-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CO)

On XX/XX/XXXX, Paypal sent me an email stating - " You can no longer do business with PayPal. After a review, we decided to permanently limit your account as we found potential risk associated with it. '' I don't use this account and would like to close it, and there is a credit card linked to the account. Paypal will not let me remove that credit card, nor will they let me close the account. 

On XX/XX/XXXX, I received a fraudulent request for payment through Paypal. I called Paypal using the number directly from their website and spoke with someone who tried to take over my computer. I hung up, but I can not reach a legitimate person at Paypal to get the account closed. If Paypal has " permanently limited '' the account, why are they accepting payment requests? Fraud is clearly happening, and the account just needs to be closed.
Consumer complaint received 2020-01-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: TD BANK US HOLDING COMPANY (GA)

I have a credit card from ALLY bank. I had a credit balance of {$5.00}. I requested a check In the amount of {$5.00} to Ms.XXXX on XXXXXXXX.I also spoke different employees of this bank on different dates regarding this check. So far I did not receive any check. The customer service of this bank was bad. They do not have any respect for the customer.
Consumer complaint received 2023-01-14
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. (VA)

In accordance to the Fair Credit Reporting Act everything has to be XXXX  XXXX  accurate on my credit report. After reviewing my report on XX/XX/XXXX, I have found multiple inaccuracies and violations. The Credit bureaus stated my account for XXXX XXXX Acct # XXXX was properly investigated but how it that possible if there are multiple inaccuracies on my report? I have listed them : 1. Date Opened- inaccurate 2. High Credit- inaccurate 3. Credit Limit- inaccurate 4. Payment Status inaccurate 5. Last reported inaccurate 6. Date of last activity- inaccurate 7. Date of Last Payment- inaccurate XXXX-year payment history shows XXXX and XXXX shows no history XXXX XXXX  day past due and XX/XX/XXXX shows XXXX days past due for Experian. This is grounds for removal! My rights have also been violated under 15 U.S.C. 1681 Section 602 A which state that have the right to privacy. 15 U.S.C. 1681Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without written instruction. I never gave written instruction! This one account on my credit report has XXXX  violations.
Consumer complaint received 2023-01-14
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. (MI)

On XXXX  I sent an identity theft report and a certified letter to Equifax that was delivered XXXX The report was disputing XXXX unauthorized and fraudulent inquiries, and the letter was to update my personal information. On XXXX XXXX received a response from Equifax dated XXXX  stating the following : " THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. '' That same day, I checked my Equifax consumer report, and I see the disputed items still being reported. This is a violation of 15 USC 1681c-2 ( a ) for refusing to block information resulting from identity theft, 15 USC 1681b ( a ) ( 2 ) for furnishing a consumer report in accordance with the written instructions of the consumer to whom it relates, 15 USC 1681e ( b ) for failing to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, and 15 USC 1681n ( a ) for willful non compliance of deleting unauthorized items from my consumer report.
Consumer complaint received 2023-01-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (CA)

I went to XXXX XXXX XXXX XXXX us bank XXXX officially that must account close I say why! They don't tell me what happening and other bank block. Frustrated also they are bitclose account yet I say give me money the. They say XXXX no and feel like I am victimized I know this is set up for XXXX XXXX money I am fed up since 6 month call me XXXX sometime email block so I. XXXX
Consumer complaint received 2023-01-14
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)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXXXXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2016.
Consumer complaint received 2023-01-13
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. (TX)

I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX TX XXXX. Please update my name to : XXXX XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Consumer complaint received 2023-01-13
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 reviewed my credit report recently and I came across many fraudulent accounts and false information being reported. My sensitive personal information was stolen in data breaches and made my identity vulnerable. The fraudulent information on my report is not mine.
Consumer complaint received 2020-06-10
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: CITIBANK, N.A. (MA)

XX/XX/XXXX charge to my master card - LL Bean Master Card Citibank - XXXX XXXX XXXX XXXX XXXX Massachusetts - amount {$7000.00} XXXX membership fees for the XXXX summer golf season XX/XX/XXXX called Citibank LLBean Master Card to dispute the {$7000.00} charge based on country club closing their doors and laying off all employees. have news articles stating the country club told employees they were closing. 

XX/XX/XXXX dated letter stating dispute was in process XX/XX/XXXX dated letter stating credit was issued - validated the {$7000.00} was credited back to my credit card account XX/XX/XXXX the XXXX XXXX XXXX filed for Chapter XXXX bankruptcy and new articles confirmed they were not opening/shut their doors for good and would not be opening. The chapter XXXX filing was registered and confirmed - they are closed. 

XX/XX/XXXX my account shows the charge of {$7000.00} was charged back to my account. 

XX/XX/XXXX when I noticed the charge was charged back - the {$7000.00} - I contacted Citibank LLBean master card and they told me I would be sent a letter regarding the fact the XXXX  sent them a response that it was an accepted charge. I told the credit card company that they filled for chapter XXXX and " did not and could not provide me the services I paid for '' and they told me it was still denied. They told me a letter would be sent and I could respond to it. 

The bank is telling me that I can only dispute things via writing and have no ability to talk to anyone to resolve this issue. 

The service I paid for can not be supplied - it is a fraudulent claim by the XXXX XXXX XXXX in XXXX Massachusetts that the charge is valid - they can not provide me the service I paid for if they filed for bankruptcy and have closed their door. 

thank you in advance for any assistance or advice you can offer.
Consumer complaint received 2024-04-03
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (FL)

This collection account just appeared in my credit report on XX/XX/2024. The collection company is Jefferson Capital Systems and it says the original account holder is XXXX. I have never opened an account with XXXX. I never gave anyone permission to open an account on my behalf.This is a fraudulent account and Identity Theft. I have never used my name, signature or government ID to open an account. I never received any products.
Consumer complaint received 2022-10-04
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: TRUIST FINANCIAL CORPORATION (MD)

To whom it may concern, I have been with TRUIST BANK for a long time, and I have always appreciated the good value and service I have received from TRUIST BANK. Recently I checked my credit report and noticed a mistake. I was devastated to see a late payment show up. Surely this must be a mistake. As you can see from my elite streak of payment history, I have a perfect record of paying on time. I would like to remain an active consumer of TRUIST BANK and will be happy to do so as soon as we get this matter cleared up. Will you kindly send it to me? 
confirmation that this erroneous late payment has been corrected, updated to paid as agreed and deleted from my credit report. 
You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report.