davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-25
Product: Credit reporting, credit repair services, 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. (OH)

To whom it may concern : 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 U S.C 1681 these accounts ( 1 ) XXXX  XXXX  account # XXXX ( XXXX ) XXXX XXXX XXXX XXXX Account # XXXXXXXX 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 have my violated my rights under 15USC 1681 section 602A. Which states ( I have a right to privacy ) 15USC 1681 section 604 A section 2 also states ( consumer Reporting agencies can not furnish an account without my written instructions. 15USC 1681 section A5 states ( No consumer reporting agency may make any consumer report containing any of the following items of information any Adverse item of information, other than records of conviction of crime, which antedates to report by more then 7 years 15USC 1681 section A1 states a person should not furnish any information relating to any consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inadequate.
Consumer complaint received 2024-06-05
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA (NC)

Apple Card with Goldmen Sacs has closed my card effective XXXX I have had the card for approximately 6 months made on time payments with no issue and multi payments in a month with over {$6000.00} in payment. 

I received a generic response via email stating-There was a failure to comply with the terms of the Customer Agreement. 
When I called apple card support, they are not able to provide any information.
Consumer complaint received 2023-01-17
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. (TX)

This is my third complaint for Equifax! 
These accounts below are a result of identity theft! 

XXXX XXXX # : XXXX Ive attached all the original documents from my first two complaints and one where XXXX has blocked and deleted the account, there for by law you should do and report the same.
Consumer complaint received 2022-09-30
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. (AL)

n accordance with the Fair Credit Reporting act XXXX Account number XXXX XXXX XXXX and XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (TN)

I went to the dentist for a cleaning. They said I needed their version of invisaline, for straightening my teeth. It felt like a over sale right from the start. My insurance did not cover it, so they had me to fill out some forms. I did not receive any treatment. We were going to revisit it on my next appointment. I never went to said appointment. Called and stated I did not feel comfortable with the scenario and I did not want to proceed. I never authorized any charges. Now it is showing up on my credit report and I am getting harassed by debt collectors.
Consumer complaint received 2024-02-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (NV)

I have a few problems. I am XXXX XXXX XXXX with very old student loans. I want to enter repayment and instead keep being put into an in school deferment. I can tell them when I call both studentaid.gov and Aidvantage, the CSR rep is citing information I can read online and not really looking at the details of my loans. I applied for a consolidation with a payment plan. Biden advertises that under the Save plan, i can file married filing separately to lower my student loan payment which I am willing to do even to the tune of owing the IRS XXXX which is fine. I am willing to do that. To my horror and disgust, I learn that when filing my taxes I have to include half my husband 's income anyway, because we live in a community property state. My husband and I have separate checking accounts, split the bills and I do not have access to his income. He would be FURIOUS if I had a large student loan payment and would not help me with it because most of the loans were taken out prior to being married. But apparently, I will pay taxes on half his income anyway due to where i live. This has become a nightmare. So Biden 's plan is completely false advertising and not beneficial to someone living in XXXX of the XXXX community property states and my loan will be based on income i don't have access to anyway. In addition, I believe something was messed up with all the transfers of my student loans to different services over the years and can't find a way to account for each month of each year i had a student loan. I have no idea what to do about any of this.
Consumer complaint received 2023-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY (TX)

I opened a credit card with Wells Fargo to do a XXXX-interest balance transfer. The funds were never dispersed to the XXXX credit card specified in my credit application. 

XX/XX/XXXX - Line of credit opened ; {$4900.00} balance reported. {$4700.00} was to be sent to XXXX. 
XX/XX/XXXX - Spoke with credit services to report issue; was told that a " research '' file would be opened and would take approx. XXXX XXXX 
XX/XX/XXXX - Spoke with credit services, no resolution. 
XX/XX/XXXX - Spoke with XXXXXXXX XXXX No resolution, and the complaint was never sent to the appropriate office for handling. I have been carrying an additional {$5000.00} in debt on my credit report without any resolution to this matter. I've received no communication from them.
Consumer complaint received 2023-01-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC (TX)

I have a medical bill that out of network provider is charging me without any prior authorization, the name off the collection agency is Capio Partners  they are violating the no surprise act 2022 I need validation of debt and Hippa authorization
Consumer complaint received 2019-04-04
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ECMC GROUP, INC. (NY)

On XX/XX/XXXX, I received a Notice from the US Department of Treasury that a debt collector has filed an action to garnish my monthly Social Security payments ( {$500.00} monthly ) for debts they say that I owe. I attempted to contact the firm doing this, shown on the Notice as Educational Credit Management Corp., of XXXX XXXX, MN. Calling them, a recorded message directed me to another firm, a collection agency called Premier Credit, of XXXX, IN. Calling them ( XX/XX/XXXX ), I went from a XXXX, to an XXXX, to an XXXX, to a XXXX. XXXX began by telling me my debt originated with XXXX XXXX ( a notoriously bad acting firm ) & totaled {$220000.00}. I gasped at the amount & then found out that it was an education loan. I DID take out Parent Plus loans years ago to allow my XXXX sons to get through college. But I dont recall any of them being that high. 
I explained to XXXX that my XXXX sons DID go through college on a number of my Parent Plus loans originated by their XXXX colleges & funded by a number of banks & financial institutions. However, NEITHER of them are working now, & one lives at home with me where I support him. One is a Special Needs child with related medical bills not covered by insurance. I furthermore told him that my finances are beyond tight ; they are dire. Garnishing my Social Security would be disastrous ( I am XXXX years old, & also looking for work, but as many might understand, it is difficult to find employment or income at that age ), as savings are XXXX, & I only get a small pension from past employment. 
XXXX effectively ignored this, & said the law allows them to collect money for XXXX by garnishing Social Security payments. He then tried to get me to consolidate these XXXX XXXX loans with other education-indebtedness on the XXXX system. The latter includes loans from other lenders that I could not identify. I noted that the subject loan, this XXXX XXXX loan, was shown there at {$170000.00}, not {$220000.00}, which he tried to explain as beingfees & costs. I had some terrible experiences in trying to repay a number of these other loans in XXXX, those originating parties being US Department of Education & XXXX & others. The US DofE did garnish my Social Security in XXXX, causing disastrous hardships to me, including near bankruptcy & loss of home. They then abruptly stopped ( XXXX, I believe ), & even REFUNDED a months garnishment. 
All of this had no impact on XXXX, as he returned to the threat that they ( Premier ) can garnish & hes powerless to stop this. He said it will start with the XXXX SS payment. 

Thank you, CFPB, for reading this far. I never thought Id be confronted with these dire & disastrous actions again. But here they are, & initiated by one of the truly villainous repeat offenders of financial-service mischief & wrongdoing, the rich, huge monster called XXXX XXXX & their collection agents.
Consumer complaint received 2023-01-04
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. (CT)

EXPERIAN under 15 USC 1681 is an ELABORATE MECHANISM that ASSUMED its role to report on consumers. EXPERIAN is DEMANDED to exercise their GRAVE DUTIES to report on consumers accordingly to the FCRA with RESPECT and ACCURACY. EXPERIAN has in fact FAILED to EXERCISE THEIR GRAVE DUTIES and are in violation under Federal Law. EXPERIAN has violated 15 USC 1681a ( 1 ) ( 2 ) which states " The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report '' EXPERIAN has included such accounts on my consumer report. EXPERIAN is in violation under 15 USC 1681c ( a ) ( 4 ) which states " Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information- ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. '' EXPERIAN has included such account in my consumer report. I DEMANDED removal of these accounts and EXPERIAN has instead CONDUCTED A FRAUDULANT REINVESTIGATION and has stated VERIFIED. I DEMAND under definition of " INVESTIGATIVE REPORT '' and 15 USC 1681i EXPERIAN to provide the NAMES & ADDRESSES OF THE PEOPLE THEY PERSONALY INTERVIEWED TO VERIFY THE INFORMATION by XX/XX/23. If EXPERIAN CAN NOT provide this information, they SHALL delete the demanded accounts IMMIDIATELY. This accounts are not in dispute but are a violation under the FCRA. EXPERIAN has committed fraud for conducting a none requested Fraud Reinvestigation. EXPERIAN is liable under 15 USC 1681n and 15 USC 1681o for Federal Law violations.
Consumer complaint received 2024-02-24
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. (MD)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-02-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Accelerated Servicing Group LLC (OH)

Caller from ( XXXX ) XXXX claiming to represent skip trace service for their ASG, looking for unnamed person. I believe this is related to search for XXXX XXXX / XXXX XXXX / XXXX XXXX, claim lead by ASG
Consumer complaint received 2022-02-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (AR)

I am a longtime customer of SunTrust and since this merger. I have not been able to access my accounts, when I go online it is showing that I don't have any accounts with them. I actually have 2! If I try to login using desktop, the system will immediately log me out. I call customer service and they had me in hold for 1 1/2, then hang up.
Consumer complaint received 2022-02-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

As a consumer by law only I can validate a debt. XXXX sent me documents with W Signatures and things on it. Those signatures can be anybody signature. 
If a debt collector got myinformation from the alleged corporation I did business with that's a violation.I didnt consent to or sign off on them to Waive my information. 
That's called fraud it's no way around it. 

That's unauthorized use under 15 USC 1602 ( p ) D The term " unauthorized use, '' as used in 44 " section 1643 of this title, means a use of a credit card ( social security card ) by a person other than the cardholder ( Consumer ) who proter does not have actual, implied, or apparentonlylc.. 
authority for such use and from thich l
Consumer complaint received 2022-12-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (CA)

Wells fargo bank employs a practice of charging fees for checks drawn from an account that clear overnight and claim that those checks are from the previous day. I have been carefully monitoring my accounts since XX/XX/2022 and this has occurred 2 times during periods when I have alot of checks clearing from my account. These transactions will not appear when I view my account the night before, then the next day they appear but are dated for the previous day and charged {$35.00} per item. This practice is very deceptive and predatory.
Consumer complaint received 2020-03-03
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. (CA)

FAILED TO PROVIDE DOCUMENTATION OF ANY LEGAL CONTRACT WITH MY SIGNATURE AND HAVE FAILED TO PROVE HOW ITEMS WHERE VERIFIED.
Consumer complaint received 2020-03-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (AZ)

My daughter attended XXXX XXXX XXXX, I signed parent plus as there was no other option ( I also attended school for a few months and had $ XXXXin loans ) The total financing ended up being about 20,000 plus Mine. The school closed she had no degree no transferable credits had to start over a year ago In the meantime : the debt is now {$40000.00} because I had no money to pay it and deferred for years .I adopted children and my dependents were high so qualified at XXXX payments but the Interests is still sky high. I have XXXX children to still put thru college. I feel the Interest should be frozen so now I can start to pay I can at least manage it, at this rate Ill be dead before its paid
Consumer complaint received 2020-03-03
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: Westlake Services, LLC (GA)

I just turn XXXX years old last year and finally got a chance to try and go to a local bank in my city to start credit but couldn't because I found out that I had a loan with a bank name Westlake financial that I never knew about. I couldnt even purchased a vehicle at the time they report that it was open. I wasn't even old enough to even purchase a vehicle or even sign paperwork in which I dont know nothing about. I have reported this twice and spoke with someone there and they still want remove this off my credit report. I think this should be remove right away please.
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The Fair Credit Reporting Act regulates the consumer reporting agencies that compile and disseminate personal information about consumers. 15 U. S. C. 1681 et seq. The Act also creates a cause of action for consumers to sue and recover damages for certain violations. 1681n ( a ) .TRANSUNION IS IN VIOLATION OF THE CONSUMERS FEDERALLY PROTECTED RIGHTS. 15 U.S. Code 1681b - Permissible purposes of consumer report STATES YOU CAN FURNISH INFORMATION ONLY ( 2 ) In accordance with the written instructions of the consumer to whom it relates. TRANSUNION MAY NOT FURNISH ANY OF CONSUMER 'S NON PUBLIC PERSONAL INFORMATION!! POLICY OF CONGRESS STATES EACH INSTITUTION MUST PROTECT THE NON -PUBLIC PERSONAL INFORMATION OF CONSUMERS AND CONSUMER MAY ALSO EXERCISE THEIR RIGHT TO OPT OUT!! I, HEREBY EXERCISE MY RIGHTS TO OPT OUT OF THE FOLLOWING REPORTING AS I HAVE NOT PROVIDED ANY WRITTEN CONSENT TO TRANSUNION TO FURNISH CONSUMER 'S NON PUBLIC PERSONAL INFORMATION. YOU HAVE NO PERMISSION TO FURNISH CONSUMER 'S INFORMATION AND FAILED TO PROVIDE MANDATORY OPT OUT DISCLOSURES, THEREFORE UNTIL YOU CAN PROVIDE THE PROPER DISCLOSURES ADN PRIVACY NOTICES, CONSUMER ELECTS TO HAVE INFORMATION REMOVED FROM CONSUMER 'S CREDIT FILE NUMBER XXXX. COMPLETELY HAULT YOUR FURNISHING OF THE ESTATE 'S NON PUBLIC PERSONAL INFORMATION, UNTIL FURTHER WRITTEN NOTICE OUTLINING EXPLICIT PERMISSION AND CONSENT FOR THE USE OF CONSUMER REPORT FOR A CREDIT EXTENTION OR TRANACTION INITIATED BY THE CONSUMER. PURSUANT TO 15 USC 6508 & 15 USC 6802- CONSUMER HAS THE RIGHT TO OPT OUT OF ANY REPORTING.
Consumer complaint received 2024-03-17
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. (TX)

I looked at my report on XX/XX/2024 and noticed something's are incomplete and not accurate. And according to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. This account XXXX XXXX  XXXX is not complete and accurate. 

XXXX XXXX XXXX showing 100 % paid but still reporting negatively, closed account date is not reporting correctly, last activity is not reporting correctly, Times/days late incorrect, months reviewed incorrect, payment history incorrect, this account is not accurate.
Consumer complaint received 2022-02-25
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: LEXISNEXIS (NC)

My XXXX XXXX XXXX was discharged on XX/XX/XXXX. XXXX and XXXX updated my credit file to reflect the discharge. XXXX did not so I disputed with XXXX on XXXX. XXXX reported that they verified the information as correct with a third party, LexisNexis. I contacted LexisNexis on XX/XX/XXXX and LexisNexis stated that they show the XXXX  XXXX disposition as discharged and their file was updated on XXXX. Since the information was incorrect still on my XXXX credit report, I disputed again with XXXX. This dispute was XX/XX/XXXX. With both of my disputes I provided the court document showing the discharge. 

On XX/XX/XXXX, I received the dispute results and again XXXX claimed they contacted LexisNexis to verify the data and that the information was being reported correctly. I contacted LexisNexis again on XX/XX/XXXX and again they stated that they show the discharge. LexisNexis stated to call XXXX again. 

This is unacceptable. I provided information to XXXX twice showing the discharge and the third party verifies the discharge in their records. XXXX is not meeting their requirements under the FCRA to report a consumer 's information correctly.
Consumer complaint received 2022-02-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (CT)

I have made several cash deposits resulting in my account information saying I withdrew. I have done this several times with managers watching and it continues to occur. I have had transactions from my account through the atm that I did not make. I contacted fraud, managers, they say they need to look into it. I have lost close to {$1500.00} in the past month.