davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: MOHELA (SC)

The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ) Therefore Mohela is in violation of my privacy as stated in the about act that includes any student loan or financial information. I have not given written consent to furnish my information to anyone. 
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I have filed multiple complaints and I understand that not a thing has been corrected or changed. This is considered at this point willful violation.
Consumer complaint received 2019-09-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC. (FL)

I have a debt collection on my credit report for two years i put multiple disputes in for it and still got no where. I called caine weiner who told me i dont owe XXXX XXXX and sent me a letter to have it taken off and i dont owe them please take off my credit report asap. Case number is XXXX for the dispute i put in XX/XX/XXXX that is still open and its XX/XX/XXXX.
Consumer complaint received 2024-05-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: DISCOVER BANK (CO)

On XX/XX/year>, I called XXXX after a XXXX search foXXXX XXXX customer service. The bad actor claimed to be an XXXX customer service representative. This person hacked my XXXX account, deployed a technician to my apartment from the XXXX  portal, charged me {$150.00} for a modem. The technician showed up on XX/XX/XXXX and was confused that I asked him for a modem. He said XXXX  does not sell modem, they rent them. We looked at my bank charges. The suspicious charge showed up as XXXX. This prompted me to report the fraudulent incident to XXXX and Discover. XXXX claimed there was fraudulent activity on my account and we changed my password and they took off a suspiciously added account number that was not mine. After reporting the fraud to Doscover, the provided me a new credit card. I was provided a temporary provisional credit of {$150.00}. In XXXX, I received a letter of the reversal of the provisional credit. They claimed the bad actor provided them with " valid '' documentation of service. " XXXX '' web design. The website is fraudulent. Both the number on the website and the number I originally called on XX/XX/year> are not valid numbers and in no way are associated with XXXX XXXX has written a letter and chats explaining the fraudulent activity on my account, I have provided a letter describing the incident, and an email from the vendor that does not provide receipt of supposed service. The email just claims that the charge is for XXXX help. The supporting documents that the supposed merchant provided also contradict themselves and the email he sent me. The services he told the bank that he provided are " web design help '' he also states in the receipt a supposed refund on XX/XX/year>, which clearly did not reflect in my bank statements. I have provided ample documentation to Discover Bank and they are siding with the fraudulent activity. I find this investigation to be alarming with blatant proof of fraud. I feel I should not have to fight my bank for protection against fraud. I found out from calling the Discover team that they only reviewed 8 documents out of all of the documents that I provided for them. I have proved the fraud and do not agree that the bank found the purchase to be valid. My signature was also forged by the fraudulent party in the supposed " receipt of services '' the vendor can not even show what services I supposedly received.
Consumer complaint received 2021-12-21
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. (IN)

This account contains a finance charge, which is the sum of all charges. Upon using my Credit Card ( social security card ) this account was paid in full and shall not ever been late. These payments need to be updated to paid as agreed because the payments were received.
Consumer complaint received 2021-12-21
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. (IN)

This account contains a finance charge, which is the sum of all charges. Upon using my Credit Card ( social security card ) this account was paid in full and shall not ever been late. These payments need to be updated to paid as agreed because the payments were received.
Consumer complaint received 2021-12-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA)

On XX/XX/21, I set up a payment to my real estate manager who needed to pay a subcontractor who was putting a roof on one of my properties and wanted to be paid cash. On XX/XX/21, I received email saying the funds were sent and directing me to provide a number to the recipient for pickup. I did so, but today ( XX/XX/21 ) when the recipient went to pick up the funds they were told the number was invalid. I called Moneygram to try and determine what the issue was and was told it was being held for my protection due to scams etc., which I could obviously appreciate. I was asked a series of questions which I answered explaining I had known my manager for 4 years, the purpose of the payment, his phone number and more. I was put on hold for " 3 minutes '' while a review was made. The call was disconnected about 2 minutes later. I called back and explained what had just happened and was told that the transaction had failed the security check and funds would be returned to me in 10 business days. I asked why this couldn't have been determined before I received a message saying the funds were sent and instructing the recipient to go and pick them up. The agent merely repeated that the transaction had been canceled. I explained that I was on the phone with another agent 15 minutes earlier to whom I'd just provided relevant information and asked when this decision was made. I was told it had been made today ( XX/XX/XXXX ). I have wasted close to a week on this and am fortunate to have a manager who out of the kindness of his heart is paying the subcontractor while I look for a competent company who can do the funds transfer. Though I hope to be a huge XXXX some day, right now I only own 4 properties and having to take {$18000.00} off of my books while I wait for 2 weeks for my {$9000.00} to be refunded is creating a needless burden. I notice it took them about 10 business minutes to extract the funds from my account. Again, I appreciate the effort to protect consumers from scams, but the info I provided made it clear I wasnt paying a tax scammer, customs fees for the millions I was about to inherit, etc.
Consumer complaint received 2021-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: HireRight Solutions, Inc. (CO)

The company 'Hire Right ' called a United States Courthouse and requested the name and social security number of a case number provided. This is partially protected information and should not be requested by a company operating in the US. Please investigate this practice as it illegal and predatory. Doubt anything will come of it though! Big corporation against regular citizens!
Consumer complaint received 2021-12-21
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. (NV)

XXXX XXXX is incorrectly reporting a late 30 days. my payments are due every month on the XXXX of the month. XXXX states after day 29 they report a late 30 days, however they have my payment the day after 29 so it can not be reported late because that same day payment was in their possession. if the day after 29 days was passed and no payment was in their possession they could report a late 30 days however they had my payment and can not be reporting a late 30 days and as such is inaccurate information
Consumer complaint received 2022-10-10
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. (FL)

Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2021-12-21
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Credence Resource Management, LLC (NV)

Tuesday XX/XX/2021 Credence Resource Management contacted me. I have received a call before super nice person. I am XXXX and she put a hardship on it for 30days. Today I get a call tell him I'm still XXXX also explain to him the small details of the acct. He explained that I had 2 choice either take responsibility for the account or file a police report. A few times I said " that's a super hard thing to do and it's not something I can just decide '' he kept telling me I had that two choices and I asked if I had to make that decision right now he said yes. I told him I couldn't he kept trying to force me to I told him I wasnt able to adequately make that decision right now he then proceeded to ask me if I was under the influence and that I sounded just fine. He just talked over me and didn't let me speak. I told him again I could not make that decision right now and that at this point he was harassing me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Which is also information I am not required to give him. He said in the beginning of the call that the information collected would be used to collect debt. He was trying to squeeze decisions I could not make for the benefit of the collection agency. His harassment was to strictly benefit the debt collector. He is not of authority to force me to make decisions in regards to my life.
Consumer complaint received 2019-09-09
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Io, Inc. (VA)

2014 Receivables management Systems took over a medical debit from XXXX XXXX in the amount of 76.00 over the years the amount has increased to XXXX. Clearly the collection agency has been applying additional fees and reporting them to XXXX. Additionally, the HIPPA agreement signed during treatment did not include Receivables management systems, there ability to verify the account is in direct violation of my rights as i did not authorize access to information obtained for medical treatment.
Consumer complaint received 2018-05-28
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. (IL)

I started writing this company XX/XX/XXXX asking this company to validate and show me some contractual obligation bearing my signature. This company has not showed me any proper validation since my first letter dating back XX/XX/XXXX.XX/XX/XXXX i wrote another letter asking them to validate the debt this company say i owe via XXXX.TRANSUNION, XXXX or some contractual obligation. They just give me response letters stating it's been verified and updated without any letters bearing my signature or obligation to pay this debt. I started writing letters again XX/XX/XXXX same response from XXXX, TRANSUNION, XXXX XX/XX/XXXX I received the same response from the credit bureaus without any proper validation or contractual obligation bearing my signature. I wrote letters again XX/XX/XXXX to the credit reporting agencies XXXX, TRANSUNION, XXXX. And on XX/XX/XXXX I received a letter from XXXX  stating the company i been disputing these letters with had removed the inaccurate accounts from my credit file via XXXX ONLY I wrote letters back to TRANSUNION & XXXX ASKING THEM WHAT INFORMATION OUR THEY WITH HOLDING FROM ME BECAUSE XXXX HAS REMOVED THE ACCOUNTS. AND I ASKED THEM " DON'T YOU GUYS GET THE SAME INFORMATION FROM THE SAME CREDITOR? I CHECKED MY CREDIT REPORT ON XX/XX/XXXX THE INACCURATE ACCOUNTS WERE REMOVED FROM XXXX CREDIT REPORTING AGENCY THEN TO MY SURPRISE XXXX HAD REINSERTED THE INACCURATE ACCOUNTS BACK ON MY CREDIT FILE WITHOUT NOTIFYING ME OF THE REINSERTION IN WRITING WITHIN 5 BUSINESS DAYS. IN ACCORDANCE WITH THE REQUIREMENTS OF THE FCRA SECTION ( a ) ( 5 ) ( B ) ( ii ), THEY ARE REQUIRED TO NOTIFY ME OF THE REINSERTION IN WRITING WITHIN 5 BUSINESS DAYS. AND THEY DID NOT FOLLOW THE FCRA REQUIREMENTS.I WROTE A LE. TTER TO TRANSUNION XX/XX/XXXX ASKING THE CREDIT REPORTING AGENCY ABOUT THE ACCOUNTS IN QUESTION AND I HAVE YET TO GETA REPLY ITS BEEN OVER A MONTH SINCE I WROTE TRANSUNION ABOUT THESE INACCURATE ACCOUNTS
Consumer complaint received 2021-12-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (DE)

Borrowers experienced problems meeting their {$1200.00} monthly mortgage installment obligations to their lender as a result of the COVID 19 pandemic. Borrowers contacted erstwhile servicer, XXXX XXXX XXXX ( XXXX ) for assistance in XXXX of 2021. XXXX duly placed the borrowers in a forbearance program and required them to make seven ( 7 ) timely trial payments of the regular monthly payment plus catch payments. However, during the course of making the trial payments to XXXX servicing of the borrowers ' mortgage note was transferred to Selene Finance ( Selene ). After making the final trial payment on XX/XX/2021, the borrowers requested the permanent modification from XXXX  and were directed to Selene. Borrowers contacted Selene repeatedly for the permanent modification to no avail and were eventually informed that Selene did not even have the borrowers ' file. Selene therefore asked the borrowers to supply them with copies of the correspondence related to the trial payment. On XX/XX/2021, the borrowers received a final modification more than doubling their previous monthly mortgage installment payment to {$2200.00} and simultaneously increasing their fixed interest from 3.00 % to 5.00 %.
Consumer complaint received 2021-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

XXXX XXXX is incorrectly reporting a late 30 days. my payments are due every month on the XXXX of the month. XXXX states after day 29 they report a late 30 days, however they have my payment the day after 29 so it can not be reported late because that same day payment was in their possession. if the day after 29 days was passed and no payment was in their possession they could report a late 30 days however they had my payment and can not be reporting a late 30 days and as such is inaccurate information
Consumer complaint received 2021-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One was sent a cease and desist with a list of specified remedies that is not being honored. I have confirmed they received my notice on XX/XX/2021 and I have received another statement demanding I pay for an alleged debt that does not belong to me. It has been well over 30 days and I still have not received the requested audit trail of the alleged debt. This is a direct violation of my federally protected rights.
Consumer complaint received 2021-12-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: MoneyLion Inc. (VA)

On XX/XX/2021 moneylion allowed 5 unauthorised transactions from another bank in the amount of {$800.00} I do not know who or what the bank is I never use that bank the bank is in XXXX and moneyline told me that basically it was my fault that my online virtual banking was used I have about two disputes one on XX/XX/XXXX and the other on XX/XX/XXXX XXXX
Consumer complaint received 2021-12-21
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. (NY)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be DELETED from my report immediately :
Consumer complaint received 2021-12-21
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: EQUIFAX, INC. (GA)

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) - reporting inquiries without my permission,15 USC 1666 ( b ) - truth and lending act., 15 US Code 1692e ( 2 ) ( a ) the character amount or legal status of any debt and ( b ). You are falsely and misleading representations. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of. This is very frustrating.
Consumer complaint received 2018-05-28
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. (NY)

I paid/settled in full a charge off on XX/XX/2018. Waited 30 days and disputed balance still showing 2 times with Experian. They say they investigated it and its valid. They also re aged the balance showing current dates which made my score drop. I have proof from collection agency showing XXXX balance. I would like the XXXX XXXX account deleted from my account. I am trying to get a mortgage and this false derogatory is hurting me.
Consumer complaint received 2021-12-21
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. (IL)

XXXX XXXX XXXX- Located at XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX ran my credit on XX/XX/21 without my permission. I have not inquired or requested any services from them on XX/XX/21. Any business that I has with them has been completed and closed for some years and it does not give them the right to unlawfully run my credit whenever they choose to,
Consumer complaint received 2021-12-21
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. (TX)

I reviewed a copy of my credit report and I noticed unauthorized credit inquiries which violates the FCRA of the information in my credit report being 100 % accurate and verifiable. 
XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I never authorized such actions, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact and investigate each inquiry of such occurrence that I did not give permission for and from my understanding of the FCRA a company must have permissible purpose to pull my credit report.