davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (MS)

I found out about Covid forbearance refund in XXXX. I had reached out to XXXX ( they couldn't find any information on my acct as of XX/XX/XXXX. 1 it was moved automatically to Aidvantage. I reached out to them on XX/XX/XXXX, XXXX this was prior to consolidating for PSLF ( this was done on XXXX XXXX, XXXX ). They said it would be processed and to reach back out in 4-6 weeks if I had not heard anything. I reached out to them again on XXXX XX/XX/XXXX and was told it didn't get processed, I explained that now the loan have been moved to XXXX XXXX the rep said it could still be processed thru Aidvantage since I started the refund request prior to applying for consolidation, I was also told to reach back out in 4-6 weeks if I had not heard anything. I reached out to Aidvantage again on XX/XX/XXXX as I had never received refund or any correspondence, I talked to a more informative rep then and was told the request was never processed, I did ask to speak to superior but she said she discussed with superior and refund would be " expedited. '' I was then told to call back on XXXX weeks. On XX/XX/XXXX, I reached out to Aidvantage and was told they couldn't do the refund as my loans weren't with them any longer and was told to reach out to XXXX. I reached out to XXXX and was told they can not process refund as they had no history of my payments- just the new consolidated loan in from XX/XX/XXXX. I have exhausted my time attempting to get granted covid forbearance refund without any explanation. I even sent an email to XXXX on XX/XX/XXXX and uploaded my payment history during covid forbearance made to XXXX prior to moving automatically to Aidvantage in XX/XX/XXXX.
Consumer complaint received 2024-03-06
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. (FL)

I received a copy of my credit report with the intention of trying to improve my credit and responsibility and I noticed an account that does not belong to me. I have no knowledge or have I ever had a signed contract with the account stated below. In accordance with the Fair Credit Reporting act. The accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : 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.

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.

the inaccurate information on my credit report is stopping me from improving my credit score and getting me approve for credit to get a new house for my family.
Consumer complaint received 2023-03-29
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. (IN)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2023-03-29
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. (FL)

This is a secondary complaint to complaint # XXXX in regards to Transunion 's procedure in case of disputed accuracy in accordance with 15 USC 1681i . I have repeatedly sent notices and documentation to Transunion proving these alleged collection accounts are inaccurate. The most recent round of letters sent XX/XX/2023 went to all three bureaus which included a demand to delete the inaccurate accounts and update my personal information, a copy of my driver 's license with my up to date personal address, a copy of my current utility bill, and a copy of the police report. I meticulously separated each document to make sure all three bureaus had exact copies of all documents. Transunion responded that they did not receive the enclosed police report and is continuing to report the inaccurate accounts, which they previously closed and reopened at their own discretion. XXXX and XXXX immediately deleted the inaccurate accounts and placed a fraud alert, which went out to all three bureaus including Transunion. Transunion 's response was to continue to harrass me for more information instead of performing a reasonable investigation, in which I sent out another recent letter requesting for them to explain in detail the method they used to verify the information they keep reporting as accurate.
Consumer complaint received 2022-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CLGF Holdco 1, LLC (NY)

To whom it may concern, I received a phone call from a company called GENESIS FS Card. They were looking for a payment on a card they issued to some one pretending to be me. As per the agent this is a Master card with the last four ending in XXXX. That's how I learned about this issue. I suggested to them to cancel the card because it was not me. I have no knowledge of this card or account opened in my name. The card company claims the card purchases were made in another state. I am filling the report because I believe I am a victim of FRAUD.
Consumer complaint received 2019-10-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (FL)

There are 4 transactions posted on my Discover Bank Credit Card : - XXXX SC   - # XXXX XXXX FL - {$1000.00} - XXXX, XX/XX/XXXX - XXXX SC - # XXXX XXXX FL - {$500.00} - XXXX, XX/XX/XXXX - XXXX SC - # XXXX XXXX FL - {$500.00} - XXXX, XX/XX/XXXX - XXXX SC - # XXXX XXXX FL - {$930.00} - XXXX, XX/XX/XXXX - Adjustment - Interest Charge - {$55.00} These charges are not valid they are fraudulent! I disputed them but Discover will not remove the charges. Also they are refusing to send me out a new card. This has to be illegal to do to someone.
Consumer complaint received 2020-02-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (DC)

My complaint is against Suntrust bank and their treatment of XXXX people. 
I submitted a pay for my internet bill and was short {$44.00}. They immediately began charging me overdraft fees. At this writing if have been charged almost {$200.00} in overdraft fees. I do not have that kind of money. I will be receiving Social Security benefits in 9 months until that time I have no income. I went through my savings because it took Social Security almost 5 years to approve my case. In the several times I called Suntrust Ive had to ask to speak with someone in the USA because I cant understand the XXXX  language. They have passed erroneous information back and forth because of the language barrier. They expect me to know and understand how their system works and if you ( I ) cant figure it out they treat you in a demeaning and disrespectful way. I need help because Im XXXX and cant fight a bank and people who are not XXXX cant fight them either. 
XX/XX/2020
Consumer complaint received 2023-03-29
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. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2022-10-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

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 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 XXXX XXXX XXXX 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 604 A. Section 2 : It also states a consumer reporting agency can not furnish an 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 2023-01-12
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: ROBINHOOD MARKETS INC. (MD)

I found out recently that a member of Robinhood 's compliance team don't have college educations nor were they an attorney licensed to practice law.

My money when it was so unfortunately managed and stored in Robinhood 's custody, was henceforth looked after by someone who did not have the minimum qualifications that most governmental institutions would require for employment. I also found out that this employee was not licensed to practice law and was therefore in no capacity eligible to interpret law to ensure that the company was at all compliant with its business practices especially when handling my money or their other clients ' money for the time that I was a customer.

I think that people who entrust a company like Robinhood with their money should have people working for them who are qualified in their fields. And no, before Robinhood gives a brochure answer about how their employees are qualified, let me remind them of how many times I needed to speak with a supervisor because the bottom-end employee had no idea what they were doing with my account.
Consumer complaint received 2019-05-05
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Equifax has not updated my credit n over 90 days i have everything removed on XXXX. Because all has been paid. I disputed with equal fax but when i go to see update it says nodisputes
Consumer complaint received 2023-01-12
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. (SC)

XX/XX/2022 someone attempted to open an XXXXXXXX XXXX XXXX  with my informal including SS number, dob, and prior address. It was declined but made my credit report.
Consumer complaint received 2019-05-05
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (CO)

On XXXX XXXX, 2019 I attempted to close my home depot credit account. As it had been " under review '' by the company for over a month with no attempt to contact me. When I attempted to close it, they attempted to secure a credit card number from me from a different Citi bank account, my government travel card When I declined to give them that number, they refused to close my account and said they would be in touch as the account is still under review. 

The account has a XXXX balance and has had a XXXX balance for over a year. There is no reason to have the account under review, as I have requested that it be closed. 

This experience had been a massive waste of time for me and reflects poorly on Citi bank and the home depot credit center as a whole.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

Remove the unauthorized credit inquiries immediately, as their presence is a violation of the Fair Credit Reporting Act and a severe infringement of my privacy rights. This serves as a final goodwill gesture ; failure to comply within XXXX  days will result in legal action, seeking compensation for defamation, negligent enablement of identity fraud, and Fair Credit Reporting Act violations. The clock is ticking, and your prompt resolution is imperative. XXXX XXXX  XXXX XX/XX/2023.
Consumer complaint received 2022-07-27
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. (PA)

I REVIEWED MY CREDIT REPORT AND NOTICED FRAUDULENT ACCOUNTS THAT I DID NOT AUTHORIZE ON MY CREDIT REPORT AND IT IS PREVENTING ME FROM RECEIVING CREDIT I filed a dispute pertaining to the incorrect items on my credit report. It has been over 30 days and I have not received any investigation results.
Consumer complaint received 2023-03-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (NJ)

XX/XX/2022 - Entire balance in PNC Bank personal account levied and withdrawn from XXXX issued by state. 

Funds were never returned to me or account but the state of NJ sent me the voided cashiers check and confirmed they released the funds but the bank has not credited them back to my account. 

After multiple calls, branch visits, this issue remains unresolved and I still do not have over {$4000.00} that was due to be returned to me almost a year ago.
Consumer complaint received 2021-09-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

I had a checking account with santander bank. Few months ago, approximately around early 2021, I received a message saying my bank account is in negative and I owe them money. I walked into the bank to get it resolved to which they gave me fraud number. I tried contacting them, but they said they can not verify my identity. Santander bank then keep calling me and asking me to pay them money that was paid towards my XXXX credit card payment. When I contacted my XXXX credit card, they said the payment from Santander was returned back, And none of the payment from my santander account is posted on my XXXX  account. SO again when somebody called me, I told them, That the money they asking for, has never been posted to my account, then why should i pay? I had XXXX $ in the account that is also gone, and every week, I get 2-3 calls asking for money. I was okay with that, untill, today i got call from debt collection agency XXXX. XXXX XXXX XXXX stating i owe money to santander. This is frustrating. Santander has closed my account, they can not verify my identity and now they are asking me to pay back the money that was never credited to my account. I dont know what to do. Please help.
Consumer complaint received 2019-07-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (MS)

Identify theft Amount : {$340.00} Collection : AFNI, inc Contact : XXXX This dispute was settled. I was a victim of identity theft. It was settled with XXXX XXXX by phone XX/XX/2018. Myself, XXXX, and XXXX XXXX was on 3 way. I don't know why is this showing on my credit report. It should not be in collections. Please help!
Consumer complaint received 2019-07-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ragan & Ragan, PC (GA)

We originally opened an account with XXXX in XXXX XXXX for {$550.00} and paid down the account balance extensively during that time up to the point of our daughter being hospitalized for 34 Days including XXXX for a major life-threatening medical issue and tried to pay through mid XXXX but could not make payments due to our daughters extenuating medical condition and financial circumstances due to a major job loss as well. This information was communicated repeatedly to XXXX XXXX and XXXX and was denied the access to receive a Hardship Program under the Credit Card Protection plan which would have released this debt. We were discriminated against in the process because we are XXXX XXXX-Americans and also U.S. Veterans who have served our Country well. Other Majority XXXX citizens are not treated this way and that is a proven fact based on statistics and research in the area of Credit Card Protection and Hardship Programs offered to them as opposed to XXXX XXXXAmerican U.S. Citizens. 

I also reached out to the XXXX XXXX XXXX  who XXXX XXXX sold the account to and raised concerns regarding the account balance and inflated interest rates and late charges which were incorporated into my account illegally. XXXX XXXX utilized false Misrepresentation tactics when they denied us access to the Credit Card Protection Plan and illegally denied us access after I was told to raise the concerns in XXXX when I reached out to them amid my daughter being released from the hospital. I also sent them a letter in XXXX of XXXX as well regarding our financial extenuating circumstances. I also raised the concerns regarding the Credit Card Protection Plan in the portal which were instructed to do by a Customer Service Representative for XXXX XXXX. However, no one reached out to us to resolve my concerns with this matter and it still has not been resolved to this date. 

Also, I requested that Ragan & Ragan Law firm to reach back out to XXXX   regarding a reconciliation account payment register and was denied this information today as well. We do not owe this debt because we were denied access to the Credit Card Protection Plan and we exhibited an extenuating Medical Circumstance regarding our daughter and was denied debt forgiveness, although XXXX and XXXX have forgiven others of their debt even without a Credit Card Protection Program with this type and/other extenuating medical circumstances. They just refused to release ours because we XXXX XXXX-Americans.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OR)

Remove the unauthorized credit inquiries immediately, as their presence is a violation of the Fair Credit Reporting Act and a severe infringement of my privacy rights. This serves as a final goodwill gesture ; failure to comply within XXXX  days will result in legal action, seeking compensation for defamation, negligent enablement of identity fraud, and Fair Credit Reporting Act violations. The clock is ticking, and your prompt resolution is imperative. XXXX XX/XX/year>, XXXX  XX/XX/year>, and XXXX XX/XX/year>.
Consumer complaint received 2020-06-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I had contacted XXXX XXXX and his wife XXXX XXXX https : XXXX regarding their advertised Paper Writing Assistance services, which aims to help writers improve their writing skills. The services offered are advertised on their business website at https XXXX XXXX as well as their XXXX page https : XXXX numerous emails were exchange as well as text messages regarding the service and how it would be an excellent fit for me. To begin such services, XXXX requested that {$100.00} either be sent via XXXX to their account at XXXX or if local within the XXXX XXXX area, can be paid in person. Since I was not local, I opted for XXXX and, with my Bank of America account, transferred {$100.00} to XXXX. XXXX asked me if I felt I thought would benefit from further assistance with constructing and revising other papers moving forward, and if so, she could help me with those subsequent assignments at a better rate. Given XXXX and XXXX 's services being in high demand, they requested that I send her an additional {$250.00} upfront again using XXXX to ensure priority moving forward. To prevent any delay, I immediately sent the extra {$250.00} requested using XXXX via Bank of America that same night, equalling a total of {$350.00} being sent altogether. Before I sent the payment, I had communicated the importance of when I wanted the services completed. Providing them with a due date allowed me sufficient time to construct my paper using their guideline/template, ensuring my writing was in line with what was being asked in the assignment. Communications remained excellent throughout the course, leading to the date when the first template/outline was due. On the day the service was to be delivered, I contacted XXXX numerous times via text messages to the number we had communicated with prior, which was XXXX. All text messages remained unanswered ; emails sent to their business account, which XXXX and XXXX have access too XXXX, also went unanswered. The unfortunate part of all this is that their company is named XXXX XXXX XXXX ( English as a Second Language ), which can indicate that their scam targets individuals who are already struggling with a language barrier. The fact that they are targeting individuals who are already at a disadvantage due to the language barrier ; ensure that they can get away with what seems like a well thought out organized scam.