davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-29
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. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION* XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The inquiry occurred without my knowledge and these inquirys occurred without my approval. 
I sent letters to the Three Credit Bureaus on XX/XX/XXXX, XX/XX/XXXX. 
XX/XX/XXXX The Inquirys have not been removed and I have not recieved a responce.
Consumer complaint received 2022-06-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NY)

On XX/XX/2022, FedStudentLoan Servicing, PHEAA. attached a letter at my FedLoan Account regarding the update of payment counts toward my Public Service Loan Forgiveness Program. FedStudentLoan Servicing, PHEAA, never notified me in an email as they publicly promised to notify students, that my PSLF/TESLF FedLoan Account has been UPDATED and FedStudentLoan Servicing, PHEAA, counted my PSLF Eligible Payments as XXXX, with PSLF Qualifying Payments ( Total ) of XXXX. FedStudentLoan Servicing, PHEAA, stated that PSLF Qualifying Payments ( Remaining ) is 1/ONE, and Estimated Eligibility Date for PSLF is XX/XX/2022 ( XX/XX/2022 ). Should I not open my FedLoan Account, PHEAA on XX/XX/2022, I would NEVER learn about my PSLF ( Public Service Loan Forgiveness count and updated due date for my loan forgiveness ). More importantly, FedStudentLoan Servicing, PHEAA, has left out purposely ONE/1 month less payment-count toward the eligible 120 payments for my PSLF eligibility for forgiveness. This is WRONG and financially hurtful ; it directly violates my eligibility for PSLF, even though on XX/XX/2022, I uploaded my PSLF Updated Application ( XXXX/XXXX/XXXX  for my complete student loans forgiveness, signed by my eligible employer XXXX XXXX XXXX XXXX [ see the document at my FedLoan Servicing Account ]. My PSLF application was signed by my employer on XX/XX/2022, which meant that FedStudentLoan Servicing, PHEAA, PURPOSELY omitted to count ONE/1 month payment more toward the eligible 120 payments for my PSLF eligibility for forgiveness. I allege that FedStudentLoan Servicing, PHEAA, left out this One/1 payment count voluntarily, so FedStudentLoan Servicing , PHEAA, will hold longer my Loans as 'hostages ', and WILL NOT PROCESS MY PSLF FORGIVENESS. In their letter from XX/XX/2022, FedStudentLoan Servicing, PHEAA, admitted that my eligibility date is XX/XX/2022. Then, WHY DIDN'T FEDLOAN SERVICING FORGIVE MY LOANS? FedStudentLoan Servicing, PHEAA, has received all my employers 's PSLF verified and signed forms up to XX/XX/2022, which includes XX/XX/2022, or the ONE month needed to be counted toward my PSLF for my student loans to be forgiven. Thus, FedStudentLoan Servicing, PHEAA, IGNORED ALL OF THE ABOVE, DID NOT ANSWER MY EMAILS I SENT. FedStudentLoan Servicing, PHEAA does not start the process of my public loans forgiveness, which has to be regarded, as I have completed ALL REQUIREMENTS FOR PSLF/TEPSLF Program/s.
Consumer complaint received 2022-04-14
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: Experian Information Solutions Inc. (FL)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The ExperianXXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please fix the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$14.00} ; XXXX XXXX  XXXX Balance : {$690.00}
Consumer complaint received 2022-06-01
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. (WI)

I have been going back and forward with Transunion about inquires that clearly are not mine, I have been a victim of Identity theft. I sent in dispute after dispute to have these accounts removed. somehow, they keep coming back as mine. When I ask Transunion to send me documentation with proof of how these inquiries are being verified they never do. This has been a burden on me and my family. Listed below are the fraudulent inquiries. 
XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XX/XX/2022 XXXX. XXXX XXXX XX/XX/2022 XXXX
Consumer complaint received 2022-06-01
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XXXX I mailed off letters disputing negative information found on my credit reports. It's been more than 30 days and I still haven't received any information in regard to the the account 's disputed. I am aware that credit reporting agencies have 30 days to respond to disputes but TransUnion has not followed up with me in a timely manner. Therefore I'm submitting this complaint in hopes to having my issue be addressed and corrected.
Consumer complaint received 2022-02-03
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. (NY)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2022-06-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC (CA)

I had an account at Gemini Trust ( the company that the Winklevoss brothers founded ) since XXXX. On XXXX XXXX, XXXX, an employee ( s ) stole the funds in my account. No one at the company has responded to my lawyer or myself. New York has an agency specifically for crypto companies, but as I am not a resident of New York, they can not help me. 

Could you please contact someone at Gemini Trust ( " trust '' being an ironic seeming name ) and get them to return my funds to the same account from which the funds were originally added to Gemini, at XXXX? 

Also, of course, please pursue criminal charges against the perps, which would hopefully ban them from working in the financial industry for life. 

Company : Gemini Trust Company , LLC XXXX : XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX, New York, XXXX, US Website XXXX XXXX  External Website. Opens New Window Company Phone : ( XXXX ) XXXX Thank you-
Consumer complaint received 2022-06-01
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. (MS)

In accordance with the Fair Credit Reporting Act XXXX  Account Number ; XXXX XXXX {$0.00} XXXX - - XXXX XXXX XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX - XXXX XXXX XXXX - - - XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$0.00} - - - 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.
Consumer complaint received 2022-06-01
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. (NY)

In accordance with the Fair Credit Reporting act XXXX Accounts # 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
Consumer complaint received 2022-06-01
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. (NY)

In accordance with the Fair Credit Reporting act ALL 13 XXXX Accounts US Department of Education, All 13 XXXX XXXX accounts, 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
Consumer complaint received 2022-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

1. XXXX XXXX XXXX, Acct # XXXX Acct # XXXX 2. XXXX XXXX XXXX Acct # XXXX has violated my rights under 15 USC 1681 section 602 A. states I have a right to privacy. 15 USC 1681section 604 A section 2 also states consumer reporting agencies can not furnish with out my written instructions.
Consumer complaint received 2022-06-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XX/XX/2022, BOA ( BANK OF AMERICA ) Prequalified me for a home loan for {$500000.00} ; I have attached the pdf. ( LOAN XXXX ) Loan officers involved In the process of my loan are XXXX XXXX XXXX ID : XXXX ; XXXX XXXX XXXX XXXX ; and her XXXX XXXX XXXX XXXX On XX/XX/2022 ; My offer for a home purchase for XXXX XXXX XXXX XXXX Summit ; XXXX was accepted ; I started my loan process, locked the rate at XXXX %, and verified all they wanted ; I have attached. I have two jobs that can easily cover their monthly mortgage of {$2800.00}. But I was denied. Please see their reason below. 

We carefully reviewed your application and credit report ( s ) provided by the credit reporting agency ( ies ) listed below and unfortunately, we weren't able to approve your request because : Debt To Income Ratio : Excessive obligations in relation to income, Income insufficient for the amount of credit Requested THIS IS MORTAGE DISCRIMINATION AND REDLINING THIS IS FALSE BECAUSE I APPLIED FOR OTHER MORTGAGES ( I GOT TWO APPROVALS FROM XXXX XXXX AND XXXX XXXX XXXX I believe the main reason BOA denied me this loan is because of the XXXX $ they did not want to give if they approved the loan please see attached After reviewing all the documents, BOA lied on their loan document and put the taxes for the property for XXXX $ ( for a low-income area ). This is their strategy. 


Please refer this evil to federal authorities ; I am about to sue Bank of America.
Consumer complaint received 2021-09-05
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 — Problem with personal statement of dispute
Company: AmeriCollect (FL)

MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE ( FCRA ) DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! XXXX violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), 15 usc 1681e ( b ), and 15 usc 6801 ( a ) ( 1 ).
Consumer complaint received 2023-06-06
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. (DC)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. Account # XXXX, has violated my rights. Account # 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 instruction. 

XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2019-12-16
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: AMERICAN HONDA FINANCE CORP (NY)

Honda towed my car because of late payment. However, they took away my personal property as well as license plate left in the car which cost more than 500 . And they refuse to return my property or answer my phone call.
Consumer complaint received 2021-03-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC (AL)

Phoenix Financial reported an account on my credit report on XX/XX/2021. I had not received any documents from this company before they reported this account on my credit report. This is against the law! The company sent a settlement letter to me dated XX/XX/2021. See both attachments. You will see the date the account was reported on my credit report and you will see the date of the settlement letter, which is after the account was reported on my credit report. Again, this is against the law. A COMPANY CAN NOT REPORT AN ACCOUNT ON MY CREDIT REPORT WITHOUT FIRST SENDING A LETTER ADVISING OF THE ACCOUNT AND GIVING A XXXX  DAY PERIOD TO REQUEST VALIDATION. PHOENIX FINANCIAL DID NOT PROVIDE THIS LETTER THAT IS REQUIRED BY LAW BEFORE THEY REPORTED THIS ACCOUNT ON MY CREDIT REPORT.
Consumer complaint received 2019-04-16
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. (FL)

Hi my name is XXXX XXXX. I'm currently in the market to purchase a home and before I actually start the process I wonted to review my credit report. After carefully reviewing it I notice a couple of items that are not mine and I have no idea where they came from. Its kinda of scary that something like this can happen. These items are not mine and I have no idea how this happened but these items need to be removed from my credit report. I have contact the FTC and my local police. Im doing this on my own behalf. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX 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.
Consumer complaint received 2022-02-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (CA)

They call me constantly dont have all dates but was called the last few days back to back starting XX/XX/2022 and today XX/XX/2022 theyll call and not leave a message and when i do answer its a robocall i wait for someone to come on and request to not call yet they continue to do so.
Consumer complaint received 2022-02-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (VA)

This company ( NAVIENT ) calls everyday, multiple times a day from MANY different numbers. 

They have contacted third-party persons that have no affiliation with the financials of the loan. I have asked that they do not contact anyone that was not financially responsible for the loan. They have up-to-date contact information and do not need to contact anyone else. 

They have failed to stop contacting the third party persons, after I stated they were told not to contact anyone. They also contact third-party persons looking for looking other third-party persons. 

I have told them on numerous occasions my inability to pay and that the options they provide are not something I can peruse. They constantly talk over me when I am trying to explain when it does not align with their goals for the conversation. Very condescending and not helpful at all.
Consumer complaint received 2022-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

This company agreed to remove account from all credit reporting agencies if I would pay the account in full which I did. They are still report the status of the account as charge off. I had no knowledge of this account due to ex spouse and when I found out I called the company to pay IN FULL for the company to remove from all credit reports which they have not done and they still reporting negative information that is inaccurate. I have called this company numerous times and keep getting the run around. Please help me!
Consumer complaint received 2022-02-03
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: Experian Information Solutions Inc. (NY)

The following XXXX, Experian, XXXX credit reporting agency ( CRA ) is reporting inaccurate information on the listed accounts below. These accounts were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) is not complying with federal law in regards to identity theft. Additionally, the data furnisher has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. 

( XXXX XXXX, XXXX XXXX XXXX XXXX )
Consumer complaint received 2022-02-03
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (MA)

Macy 's is charging unfair interest or fees. On several occasions I have been charged a {$2.00} fee despite having a {$0.00} balance. Latest example : My XXXX statement indicated a balance of {$240.00} due by by XX/XX/2022. 

Payment in full was sent via the Macy 's website on XX/XX/2022. 

XXXX statement says the account has a {$2.00} balance in " fees ''. 

I called the number on the statement and questioned the reason for the charge and was told it was interest. I questioned how it can be interest on a zero balance and the representative responded the charge would be removed. 

This has occurred multiple times with this credit card. While I have been able to have the charge removed, I question how many other consumers simply don't realize that the fee is charged and I urge the Consumer Financial Bureau to investigate.
Consumer complaint received 2022-02-03
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: Experian Information Solutions Inc. (CA)

The accounts below are reporting on my personal credit file with EXPERIAN. These accounts were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The data furnisher are not complying with federal law in regards to identity theft. Additionally, the data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the accounts removed from my file. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-02-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AE)

On the XXXX of XXXX my wallet was lost. I reported the loss to my bank, USAA, immediately as required but by the time I had noticed my wallet was gone, the next day someone had used my card to withdraw approximately XXXX dollars and used it for an unauthorized charge of about another XXXX. I called USAA and froze my card and let them know those transactions where unauthorized transaction. On XXXX XXXX USAA denied my fraud claim stating that pin authorization means that said transactions where authorized by me. This was not the case, I've told USAA that there where six different atms used and everyone one of them likely has a security camera that would show someone other then me withdrawing cash from my account. I have called USAA again but it seems to no avail. All I want them to do is pull the footage from the atms to see it was not me making those transactions, it seems this case would be a very easy one to prove.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.