davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: HireRight Solutions, Inc. (IA)

hopefully this is the right spot. 

HIRE RIGHT HIRERIGHT LLC XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX OK XXXX PHONE : XXXX FAX : XXXX back round check, drug screening, physical, and MVR requested by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX PHONE : XXXX JOB APPLIED FOR AND LOCATION : XXXX ILLINOIS XXXX ( XXXX ) STORE # XXXX i live XXXX iowa NAME : XXXX XXXX ADDRESS XXXX XXXX XXXX  XXXX IOWA XXXX MY NUMBER : XXXX on XX/XX/2022 hireright was doing a back round check and did not complete it until XX/XX/XXXX XXXX from my knowledge they were not suppose to go back past 7 year back round check. when I received the paper work they went back 12 years and found out old charges. i also have paper work saying there was other tests done like a XXXX XXXXl, and drug screening. they called me and informed me i have passed all the tests. but then get called again saying I don't meet the regulations of the company so this tells me they didn't hire me because of my background that happened 12 years ago. upon talking to a lawyer that's is considered illegal to search back that far and considered discrimination also illegal. I am trying to fined a way to sue them and press charges on this company. I currently don't have a lawyer and I am looking for one asap. i do have the paper work with me at the current moment to show proof that they discriminated against me. but yet passed everything else except for the back ground test. please help me prevent this from happening to other people like me. 

to my understanding if the company was going to pay me {$75000.00} or more a year then they can search further but they werent going to go anywhere near that high. so please help thanks you God Bless DOCUMENT BELOW SHOWS EVERYTHING PASSED CEPT LAST ONE I DO NOT WISH TO SHOW ON PUBLIC DATA BASE HERE. THATS MY BACKROUND CHECK FROM 12 YEARS AGO.
Consumer complaint received 2022-07-13
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. (IL)

I entered into a contract with XXXX XXXX # XXXX on or around XX/XX/2016. I was entered into this contract without a full disclosure of my right to rescind. This is a visible violation of the Truth In Lending Act. If they had presented me with a full discloure of TILA I would have seen the finance charge. Pursuant to 15 U.S. Code 1605 the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges which was never disclosed to me which is another visible violation of the law. Which leads to another visible violation of FCRA ( 1692e ) seeing that I was given false and deceptive information. Seeing that I was told that a down payment of {$2000.00} was needed in order to drive off of the lot. Pursuant to 15 usc 1605a - a finance charge is sum of all charges. The finance charge does not include charges of a type payable in a comparable cash transaction. This is under the FCRA. This is the law and a clear violation of it. I have written XXXX myself to try and resolve the situation, but they have continued ignore the consumer whose character they are damaging by continuously reporting negative and false information on me ( the consumers ) credit report. 
I know they are not able to provide these proper documents because they were not presented to me as they should have been under the law. They can not prove that they provided me a full disclosure of TILA and they knowingly took CASH down payment as that is a violation. 
Also according to 18 U.S.C.8 The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States , stamps and other representatives of value, of whatever denomination, issued under any Act of Congress , and canceled United States stamps.
Consumer complaint received 2022-10-14
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: EQUIFAX, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Balance : {$3500.00} ; XXXX XXXX XXXX Balance : {$6100.00} ; XXXX XXXX XXXX : {$1900.00} ; XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX Balance : {$2400.00} ; XXXX XXXX Balance : {$300.00} ; XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXX Balance : {$3800.00} ; XXXX XXXX  XXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX Balance : {$5500.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$7700.00} ; XXXX XXXX Balance : {$150.00} ; XXXX XXXX Balance : {$430.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (VA)

CONSOLIDATED NELNET LOANS WITH XXXX XXXX. CREDIT REPORTS HAVE NOT BEEN UPDATED BY EITHER XXXX XXXX OR XXXX CREDIT BUREAUS OR NELNET. MY ACCOUNTS FOR NELNET ARE STILL DISPLAYING OPEN AND CURRENT. ACCOUNTS WITH NELNET ARE PAID AND CLOSED. BALANCE NOT REFLECTING {$0.00} BALANCE FOR XXXX XXXX XXXX OR NELNET. XXXX XXXX XXXX ACCOUNT PAID IN FULL IN THE AMOUNT OF {$250.00}.
Consumer complaint received 2024-06-06
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Carter-Young, Inc. (MI)

I received one ( 1 ) notice from Carter-Young , Inc XXXX XXXX XX/XX/year>. The notice was dated XX/XX/year>. The notice stated I owed back rent to their client, XXXX XXXXXXXX. I responded back to Carter-Young on XX/XX/year>, informing them the debt did not belong to me and to fact-check their source. Carter-Young sent the {$5400.00} debt to my Credit Report on or before XX/XX/year>. Carter-Young failed to comply with the 30 day Right to dispute an incorrect debt notification. Carter-Young submitted the inaccurate, negative collection to my Credit Report in less than ten ( 10 ) days after their one and only notification to me. The inaccurate, negative collection posted to my Credit Report resulted in a XXXX point drop to my Credit Score.
Consumer complaint received 2023-02-22
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with fair credit reporting act XXXX XXXX of state XXXX XXXX has violated my rights XXXX is the amount I'm disputing the company let someone Doc sign for apartment in XXXX Texas 15 u.s.c. 1681 section 602A states I have the right to privacy 15 u.s.c. 1604A section 2 also states A consumers reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (TX)

SANTANDER CONSUMER/XXXX took my information from another company, my social security number, name, and address without my consent and without me signing an original contract with SANTANDER CONSUMERXXXX that is violation of 18 U.S. CODE CHAPTER 63 1344 Bank Fraud, 18 U.S. CODE CHAPTER 63 1342. 18 U.S. CODE CHAPTER 63 1346. 
I've send in multiple disputes to XXXX, XXXX, and XXXX. the only one that hasn't removed this item is XXXX. 
I've never signed anything with SANTANDER CONSUMER/XXXX.
Consumer complaint received 2021-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Rocket Mortgage, LLC (NJ)

MY MORTGAGE COMPANY QUICKEN LOANS GAVE ME THEIR NUMBER FOR XXXX  AT XXXX. THIS NUMBER CONNECTED ME TO A SCAMMER. THE AUTOMATED CAME ON FIRST AND ASKED FOR MY NAME, I PUT IN THE FIRST LETTER AND IMMEDIATELY A MAN WITH A FOREIGN ACCENT CAME ON THE LINE AND REQUESTED MY SOCIAL SECURITY NUMBER. I IMPULSIVELY GAVE IT TO HIM. THEN REALIZED THIS WAS NOT RIGHT. I TOLD HIM I FEEL UNCOMFORTAGBLE. HE RESPONDED, " I UNDERSTAND. '' I IMMEDIATELY HUNG UP AND CALLED XXXX AT QUICKEN LOANS. SHE TOLD ME SHE GAVE THIS NUMBER TO OTHER CUSTOMERS WITHOUT A PROBLEM.
Consumer complaint received 2024-05-29
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: NATIONAL DEBT RELIEF LLC (AZ)

I called to consult with them I was behind on credit cards, they made it sound like basic credit consolidation, however I had to sign contract while on the phone, make a payment that day, had no time to read contract, I did not know any of the details of the contract, that is straight manipulation. I made payments for a year and a half, they still had not paid off XXXX out of XXXX cards, so I called to pay a lump sum pant of $ XXXX, to hurry the process along, they told me it didn't work like that, and that I had to keep making them payments, and was like what for, I just paid you XXXX .... I was like no way you can pay yourself out of the money I have paid you this feels like a scam, you have tanked my credit, and we are no further than we were. My XXXX  had just died, I could not work for almost a year, I feel like I was preyed upon and manipulated, I don't even know if I can cancel. People need to know what they are entering into. I've included screen shots XXXX  years in and XXXX XXXX  does not make sense to me.
Consumer complaint received 2022-04-20
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: Experian Information Solutions Inc. (CT)

I recently discovered that I am a victim of identity theft. So I am writing to request an XXXX FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. Fortunately, in accordance with the FCRA Sections 6058,615 ( ) and 623 ( a ) 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victim 's credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT, except as otherwise provided in this section A, in which a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS after the date of receipt by agency. I ask that you comply with the Federal Laws in place, and swifly and permanently block the accounts, addresses, inquiries and other information that you are reporting listed on the *Identity Theft Report List of Fraudulent Accounts ''. I am also requesting to be mailed a new credit report to my address of record above.
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

The XXXX XXXX XXXX  is the original account holder XXXX XXXX is attempting to collect the debt. The account is being reaged an the amounts are different on XXXX TransUnion XXXX. The dates the account was opened & closed are different as well Also all different last date of payment
Consumer complaint received 2024-05-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

account XXXX on XX/XX/2023 there was a charge to my account for XXXX. I did the charge at the restaurant. the restaurant offered me a full refund on the charge the next day because our entire party was extremely XXXX  and XXXX XXXX. 
I even submitted a note to the capital one from the manager or employee. 
apparently months later after capital one investigated the claim the manager/employee did not work their anymore. 

after speaking with capital one they did not investigate the complaint property and refuse to. 
they said they investigated the complaint and the restaurant said they had authorization to charge the card. Yes of course they did because we used the card - THE RESTAURANT PROMISED A REFUND- I never said the initial charge was not valid - capital one for several times I put a dispute in investigated the claim the wrong way I have been a customer for 15 years and I refuse to bank with them again until this is fixed and I get the worst treatment
Consumer complaint received 2022-04-20
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. (NE)

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 : {$50.00}, {$210.00}, {$80.00} XXXX XXXX XXXX XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$16000.00} XXXX, ALL 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 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 INCCURATE
Consumer complaint received 2022-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (WA)

This company repeatedly " holds '' payments in limbo without giving consumer credit for the payments they've made, even after he company acknolwedges the receipt of the payment AND it has cleared the bank, for WEEKS. 

I have a {$5000.00} credit limit. I paid off my balance in early XXXX. Care Credit shows the payment was received by them on XX/XX/2022. The payment cleared my bank on XX/XX/2022. However, Care Credit has not given me credit for the {$1000.00} payment that cleared my bank XX/XX/2022. When I call they state that because it's a large amount, or because I made multiple payments during the billing cycle, they have to wait for it to clear my bank- it has cleared! They just refuse to give credit for it. This happens every month where it takes weeks for them to give me credit for my payments. 

I tried resolving directly with the company but the customer service reps seem unable to provide any info other than reading from a list of reasons why payments are not credited - even though there is a XXXX balance and they confirm receipt of the payment. When asking to speak to a supervisor or manager, I am transferred to a location where I am on hold for 40+ minutes without anyone ever picking up the line. 

Care Credit accepts payments from their customers, acknolwedges those payments, but repeatedly " holds '' the funds so that consumers are not able to take advantage of a XXXX balance and their full credit limit. After repeated attempts to get a supervisor on the line, I was finally able to speak with " XXXX. '' She reports that the company holds every large payment for 10 days to ensure it clears the bank. The funds have cleared. They cleared over a week ago. I believe this company is unlawfully denying consumer the benefit of their payments so that it can benefit from the funds sitting in their account while denying consumers access to the credit they've been given. In essense, holding funds in an account to accrue interest while denying customers access to their credit. 

As you can see from following attachments, as of this afternoon, XX/XX/2022, Care Credit still has not credited the payment I made on XX/XX/XXXX or XXXX, that Care Credit received on XX/XX/2022, and that cleared my bank on XX/XX/2022. 8 days after clearing my bank, I am still only given access to a credit amount less that {$1000.00} payment made 10+ days ago.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I was victim of identify thief I saw my transunion account is suspended someone try to access without my consent. and I received an alert for New hard inquiries on my transunion credit report. I need please this inquires to been removed. 
XXXXXXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX
Consumer complaint received 2022-04-20
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: WELLS FARGO & COMPANY (CA)

On XXXX XXXX was the day I became aware of being a victim of identity theft. On XXXX XXXX is when a certain individuals decided to take out a home loan with my social security number, which is stated in credit karma. In addition, there's also a car loan under my SSN. However, I don't even own a car or house, for the past twenty years lived in a one-bedroom apt . Therefore, please block these ongoing loans from my credit reports pursuant to section 605B of the Fair Credit Report Act.
Consumer complaint received 2024-04-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (IN)

After filing my taxes for XXXX, I submitted paperwork through the XXXX website to recalculate my student loan payment for the XXXX repayment plan to use my lower XXXX XXXX. MOHELA received this application on XX/XX/XXXX. After processing the paperwork, they calculated my monthly payment amount to be {$110.00}. This amount is incorrect as it uses the XXXX XXXX XXXX XXXX amount for the 225 % deduction rather than the XXXX XXXX XXXX XXXX, meaning my payment should be lower ( specifically, $ XXXX ). 
On XX/XX/XXXX, I called MOHELA in an attempt to resolve the problem. I spoke with XXXX ( XXXX ID # XXXX ). XXXX put in a request for my monthly payment amount to be recalculated after I shared what the problem was and what the correct amount should be. XXXX said that I should hear a response in my Messages inbox on the MOHELA website within XXXX business days. 
MOHELA put a processing forbearance on my account when I originally submitted my IDR documents on XX/XX/XXXX that expired XX/XX/XXXX. This meant that I would have a bill due in XXXX. More than XXXX business days passed and I heard nothing from MOHELA. I called again on XX/XX/XXXX and spoke with XXXX ( Employee ID # XXXX ). XXXX informed me that on XX/XX/XXXX, my request was cancelled by MOHELA. There was no notification of this cancellation nor was there a reason given for the cancellation. I filled XXXX in on the situation and she told me I need to fill out a paper application and submit it directly to MOHELA and they will recalculate it using the correct XXXX Federal Poverty Guidelines figures. Another processing forbearance was put on my account until XX/XX/XXXX so MOHELA could resolve this issue. 
I submitted the paper application immediately after getting off the phone on XX/XX/XXXX. A few days later ( around XX/XX/XXXX ), MOHELA denied my application due to financial information not being provided ( even though I selected on the paper form permission for the IRS to provide that information to MOHELA ). I resubmitted the form on XX/XX/XXXX with a copy of my XXXX XXXX and a breakdown showing how the correct payment amount of {$110.00} is calculated. On XX/XX/XXXX, MOHELA approved the application and provided a letter showing that my monthly payment amount will be {$110.00}, again calculating the payment based on the XXXXXXXX XXXX XXXX XXXX  and not the XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A. (OH)

PNC Bank closed my account and wouldnt tell me why. They also didnt give any heads up, as I didnt receive any emails or letters just that my balance was {$0.00}. They closed it and failed to provide any info, closed on Monday XX/XX/XXXX, today is XX/XX/XXXX still no answers or money from my accounts. 

PNC said they sent a check but could take up to 90 days ; I am with {$0.00} until then. They left my credit cards open with balances that I have no way to pay due to them closing my checking account and stating to not do business with me.