davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NM)

on XX/XX/XXXX I was informed by my mother and sister in law that my son needed money and where to send it. It was late in the afternoon so i went to the bank talked to a representative and she wired 3,500 dollars to the address that my sister in law was told .all before they close. I went to my moms to let her know that i made the transaction.and upon talking to this person that was requesting it I realized that it was a scam and quickly went back to the bank so that they can stop it. While at the bank i was talking to this person over the phone so i know that he had not went to pick it up. I requested that they put a stop on it and let the bank that it was sent to know so it could not be picked up, .What the bank told me is that everything is done with software. they inform the bank and wait for a response from them. there was no way to stop this in real time.. 4 days later they cant even tell me if the funds were released or not If that is there system for handling this type of problem it needs to be updated. They also told me that scamming people is not fraud..I also believed that we were protected under FICA. they advertise that we are protected from fraud and this was fraud.I know that if something was done like contacting the receiving bank at the time i reported it would have stopped it in time. It did not seem like much of an effort was done to resolve this, Hopefully i can get some answers and my money back.I have worked hard to save that up., thank you I have also filed a police report with the county police department which will not be released. It takes 6 to 10 days.
Consumer complaint received 2019-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Laending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account.
Consumer complaint received 2019-12-22
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. (GA)

I recently applied for a furnisher account long story short I was denied. I dont understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. Im unsure of how this happened.
Consumer complaint received 2024-02-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NY)

I submitted a student loan consolidation application through StudentAid.gov to have my loans currently serviced by XXXX consolidated and moved to Mohela. I submitted my application on XX/XX/XXXX and it is currently XX/XX/XXXX and my loans have yet to be moved to Mohela. 

XXXX states that they sent the payoff amount to XXXX and XXXX claims they forwarded by application to Mohela but Mohela says it's not in their system yet. Thus, my loan consolidation seems to be lost in limbo. 

I'd like an answer to when I can actually expect Mohela to have my loans active in their system ( or better yet for them to actually be moved over ). I've spent hours on the phone with these 3 companies and they all point at each other as the issue. I'm concerned about getting this done in a timely manner so I can quality for the one time PSLF adjustment. Thank you for your attention to this matter.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2019-12-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently applied for a furnisher account long story short I was denied. I dont understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. Im unsure of how this happened.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (GA)

I am writing this to file a formal complaint against XXXX XXXX regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach-Bliley Act ( GBLA ) to opt out of such information sharing, and I believe my privacy rights have been violated. 

On XX/XX/2024, I notified XXXX XXXX  that I am opting out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, for the sharing of my nonpublic personal information with non-affiliated third parties, including consumer reporting agencies, for any purpose other than those necessary to provide me with financial products or services.

I provided this opt-out notice in accordance with the legal requirements outlined in 15 USC 6802 , and I have retained documentation of my communication with the institution.

Despite my explicit opt-out request and my clear assertion of my rights under the GLBA, I have reason to believe that XXXX XXXX   has continued to furnish my nonpublic personal information to non-affiliated third parties and consumer reporting agencies without my consent.

This unauthorized sharing of my personal information constitutes a serious violation of my privacy rights and a breach of federal law. I am deeply concerned about the potential consequences of this unauthorized sharing, including the potential for identity theft, fraud, or other financial harm. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that XXXX XXXX complies with all federal regulations and laws including the GLBA, to protect the privacy and information security of consumers like me.

Additionally, I would appreciate regular updates on the progress of this investigation and any actions taken to address the violations committed by XXXX XXXX  XXXX 

Please feel free to contact me at at XXXX or XXXX if you require any further information or documentation to proceed with the investigation. I am committed to cooperating fully with your office to resolve this matter and to protect my rights.
Consumer complaint received 2019-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a VICTIM of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit
Consumer complaint received 2019-12-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompts me to check my credit report.
Consumer complaint received 2019-12-22
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. (GA)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompts me to check my credit report.
Consumer complaint received 2022-09-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (TX)

On XX/XX/ 2022 I requested a refund of a payment I made back in XXXX of 2022 for a total of {$3500.00} from Edfinancial. They told me at the time to wait 60 business days. In late XXXX when I emailed around the 30 business day mark, they told me to wait 90 business days. I emailed them again shortly before XX/XX/2022, and they told me to wait 120 business days when I was originally told 60 business days which has come and gone. I just want my payment refunded. I see other student loan servicers get refunds out to others within weeks, its been nearly 4 months for me. Ive even seen people who have requested refunds on XX/XX/XXXX and XXXX already get theirs processed from Edfinancial due to complaining, when I still havent received any correspondence on my request.
Consumer complaint received 2019-12-22
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. (GA)

I was shocked when I reviewed my credit report and found late payment on XXXX of 2019. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2019-12-22
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: EQUIFAX, INC. (GA)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompts me to check my credit report.
Consumer complaint received 2019-09-12
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. (CO)

The FCRA recently passed a law stating that a person or business must have permissible purpose to initiate an inquiry. Section 604 I have contacted the credit bureau recently and they have not sent me any information showing that I have any of the companies permission to pull my credit. I have asked them to send me documentation or a Copy of an agreement or even my ID showing I have the company permission or that they had permissible cause, and they have failed to do so. I also informed them that an fraudulent address in MD has been used to try and obtain credit in my name. Ive never been to or lived in MD. I havent even visited. 

Accounts : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-02-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (MA)

Account locked on XX/XX/XXXX Contacted their support service 4 times. The last was on XX/XX/XXXX. Was told each time that my complaint has been escalated and I would receive an email regarding when to expect answers. Still waiting.
Consumer complaint received 2024-02-21
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

On XX/XX/2023, an agent acting on behalf of Toyota Motor Credit Company illegally repossessed my vehicle. The agent illegally entered a locked garage of a condominium building without permission in violation of California law. Additionally, when I recovered my vehicle, my belongings were not returned to me ; this is also illegal under California law. The belongings which were not returned to me had a replacement value of {$1300.00} and included sensitive personal documents pertaining to myself, my parents, and my grandmother.
Consumer complaint received 2022-01-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (FL)

TD Bank is still holding the funds on a check that my daughter deposited on XX/XX/XXXX and which has cleared the makers bank on XX/XX/XXXX. Both XXXX and I have excellent credit we have both never bounced a single check in our lives and that also goes for the maker of the {$2000.00} check she deposited on XXXX XXXX who is my father who has never bounced a check in the XXXX XXXX hes been alive. When I called the contact center the first person I spoke with I believe his name was XXXX told me that the reason for this extended hold was that XXXX was randomly selected much the same way potential terrorists get randomly selected for screening at the airport. Because this made absolutely no sense especially given that Ive been working as a XXXX XXXX for 26 years, I requested to be transferred to a supervisor. That supervisor who I believe was named XXXX assured me that the representative I spoke with had provided me with miss information and that my daughters account was not randomly selected for the special hold. Instead she told me that TD Bank had reason to believe that this check which cleared my fathers bank account on XX/XX/XXXX was uncollectible. She apologized for the inconvenience and transferred me to XXXX in the fraud department. XXXX stated the same thing however she mentioned that she would put through a release of the hold that she hoped would be processed by Sunday, XX/XX/XXXX. As I write this at XXXX on XXXX XXXXXX/XX/XXXX the hold remains on this account. I would like to know why my daughters account that I am joint with has been singled out for an exception hold that is going on seven days. I would like an explanation of what information was used to make this decision. I would also like an explanation as to how this hold which we were not informed of at the time of the deposit is in compliance with regulation cc. This account has an average balance of {$20000.00} and my daughter was traveling this past weekend. If she had relied on that deposit you wouldve stranded her during her travels I have zero faith left in TD Bank and I will instruct XXXX to find a financial institution that does not treat her like a common criminal. The same maker wrote XXXX a check off the same account for XXXX in XX/XX/XXXX and it cleared then too.
Consumer complaint received 2023-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

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. 

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 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 2019-12-22
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: EQUIFAX, INC. (GA)

I was shocked when I reviewed my credit report and found late payment on XXXX of 2019. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2022-01-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Securus J Holdings, LLC (NY)

My last complaint was submitted and this was the file number XXXX. It's in regards to JPay services and how they are provided. The company responded by actually giving us a XXXX dollar credit. Yes XXXX I have sunk XXXX into this tablet they give a XXXX dollar credit. And they did send a new tablet ASAP. That would actually be satisfactory if the tablet the sent was not damaged. It can not be charged it over heats. And it has no sound. This is what this company does. The tell people it is a courtesy tablet from the state of new york, to entertain the inmates. The tablets are like first generation. First of all. You have to practically give your life in order to get it replaced. As proven this has been going on since XXXX.they send a faulty tablet. My husband can't even right a ticket cause the XXXX  in the jail isn't working. That's just a couple of issues. I have sunk at least XXXX in media he can not watch or hear. Including videos I have sent and other family. XXXX is not a free tablet. That's an XXXX product.not to mention to send money they charge XXXX you must purchase stamps is order to send email and videos and pictures. And then when you call to finds out why they never received msg. The jails tell you to call JPay. JPay does nothing but have horrible customer service. Everything is right a ticket and wait for response. I had to right a ticket and wait two weeks just for them to respond back if the tablet is in their possession. After it was we have two wait to more weeks for a ticket to be sent in order for it to be approved to be sent out again. SERIOUSLY!!. Then they also like to tell you their job is to get msg videos pics to the facility to that's why they charge us. No thief job is to get it to our loved ones. At least this is what they say. So if it goes to a facility and the content is denied people should be refunded. They should have a system for that. JPay is literally ripping people off. So I pay to send him things that he doesn't get that the facility doesn't want him to have or allow. And every place is diffrent. But yet they do not have a system set up for JPay to see if it was denied. So they can refund us. So end result I had to open another ticket cause now they sent a tablet that gets to hot to charge and had no sound that can't be synced to the XXXX  because it is broke. REALLY. This company should be shut
Consumer complaint received 2022-01-03
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: Andreu, Palma & Andreu, PL (GA)

apparently XXXX XXXX XXXX, AFTER I paid a settlement of XXXX dollars sold the account to XXXX, who got some type of judgement against me in XXXX  of which I was never notified. They hired one law firm to harass me and after complaining that firm dropped it, Now they have hired XXXX, XXXX, XXXX & XXXX who are now threatening me