davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-26
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. (OH)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX 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 2022-08-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

I XXXX got money depsoited to my acct from a loan ... once the money got deposited to my acct i started withdrawing some of the money... then they stoped me with drawing the money blocked my acct sent me to the fraud department..asking me all types of questions ... and very rude customer service ..which i know for a fact one of the agents was very XXXX in so many ways she didnt even hide it the way she was asking me questions and harrasing me about my acct to where she blocked it... .i been going back and fourth with these people to release my funds and unblock my acct... nothing has been done its going on about 2yrs now...
Consumer complaint received 2022-02-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp (PA)

I have three loans with lendingclub.com. I had been making regular on-time payments until XX/XX/2022 when due to XXXX I hit a snag. I called Lendingclub.com and was able to cancel my autopay set up with them and set up a deferred interest only payment plan on 1 account. On XX/XX/XXXX, lendingclub.com automatically took out a loan payment. The same day I called them to again revoke my authorization for them to auto debit my account. Since then, they have attempted to debit my account twice ( once successfully ) without my authorization. They are stealing my money and are breaching their own contract and provisions with auto debit authorization.
Consumer complaint received 2022-02-24
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. (PA)

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. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means XXXX has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX
Consumer complaint received 2022-08-26
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: Experian Information Solutions Inc. (MN)

I sent a dispute letter ( 609 ) to the three credit bureaus XXXX, XXXX, Experian on XX/XX/XXXX, asking for them to verify the items on my report one in particular the Student Loans from XXXX XXXX and the Department of Education XXXX XXXX were both reporting student loans twice and sent highlighted copies of my report to all three companies along with two forms of identification etc. On XX/XX/XXXX I received a letter from only XXXX saying they were unable to honor my request of sending a revised copy of my report because no specific credit grantor was provided. Again I sent them highlighted copies of my report and highlighted every error that I saw on the report along with the credit grantors. I have yet to hear from the other companies they had 15 days to respond that time has passed. In addition, as I'm writing this letter the President just forgave $ XXXX {$20000.00} in student loans. 
The FCRA also states that credit rating agencies must remove negative credit information after seven years and bankruptcies after seven10 years ... and due to the fact that the reporting agencies can't verify said items then they must be deleted and I should be supplied a new credit report showing the deletion please and thank you. 
In addition, If after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) properly delete that item of information from the file of the consumer or modify the item or information as appropriate based on the result of the reinvestigation, and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2024-03-08
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)

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 XXXX 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 2017-08-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (WA)

I have been approved into PSLF ( Public Service Loan Forgiveness Program. My loans were moved to FedLoan.org. My employer ( of 16 years XXXX XXXX ) has been approved. I received my qualified loan payments to be XXXX. I have requested a review and specific breakdown of why so little of my payments are approved toward my loan forgiveness. I have had no response.
I have been paying in some form of income based program for my student loans for 15 years. I have been under the IBR program at least since 2013.
I have grave concern this is a way to delay my ability to apply for loan forgiveness.
I have a XXXX and XXXX degree in XXXX XXXX, I am a XXXX XXXX XXXX XXXX XXXX who has been utilizing my skills working with some of our most disenfranchised populations in the XXXX XXXX for 16 years.
Consumer complaint received 2017-08-30
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Kashia Services (NC)

I am currently out on XXXX XXXX after having XXXXXXXX XXXX XXXX XXXX & I can not afford to pay the high interest payments while I 'm out of work. They have started calling my place of employment & several references even after I told them not to. The interest is way to high as well.
Consumer complaint received 2022-08-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hollins & McVay, P.A. (KS)

XX/XX/XXXX XXXX XXXX from Hollins and McVay collection attorney froze my bank account for a debt the was not mine but the joint account holder, my wife. My account is still frozen and today a wage garnishment order was sent to my job for a debt in my wifes name not mine all the while my bank remains frozen. My wife and I called this attorney an employee there stated the answer from the bank was XXXX dollars XXXX XXXX then filed a stay and wage garnishment on me XXXX has yet to receive that stay however my employer has received the wage garnishment order and must answer. My wife who he levied my bank account for doesnt work at my workplace and XXXX XXXX knows this as his company garnished my wages in XXXX  for the same debt, same job same law office. My wife filed a complaint with you all already and was brushed off about it. Lets get this straight per Hollins and McVay today this isnt a medical debt at all as listed in the bank levy or garnishment of wages we were told a returned check. Which is it medical debt or a return check? Were in the process of bankruptcy all the while property taxes unpaid my wife had XXXX again the XX/XX/XXXX and no way to purchase food, medications or pay water, utilities or the like. An accident they said assuming my wife works at my job where they have already garnished me and room to continue as soon as you confirm and believe this guy without really confirmed anything. Again bank levy in my wifes name for a debt thats being sought after only in her name and now an attempt to garnish my wages under my wifes name
Consumer complaint received 2022-12-16
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: KEYCORP (NY)

I was paying my mortgage and putting extra on my payment wanted to pay down my loan I noticed less and less was coming off the principal and more going to the interest I called and questioned this and I was told this is happening because I was paying to early on my mortgage even though I was paying after the statement date I ask to have it revised my extra payment and have it to to the principal they did for one month call back and questioned about the other month and was told they will reimburse me never got it I called back and the lady said it was denied why she had no answer I also was trying to get the full break down of how everything was split up between interest and principal 3 different times and still have not received it I need someone to help me with this
Consumer complaint received 2022-02-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (FL)

I received in the mail today 2 letters from Wells Fargo. One had a debit card and the other a PIN. I also received a welcome package from XXXX XXXX with checks and deposit slips. Luckily, both were sent to me and I am able to report it. I called both Financial Institutions and reported that I had not opened either of these accounts. 

Wells Fargo confirmed that there was no activity on the account. XXXX XXXX  rep could not confirm since they are not allowed to view that in that department. The XXXX  account seems to have been opened XX/XX/2021. 

I also asked for a fraud alert from XXXX, XXXX and XXXX.
Consumer complaint received 2022-02-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Atlanticus Services Corporation (AR)

Aspire is in violation of 15 USC 1692b ( 5 ), 15 USC 1692b ( 2 ), 15 USC 1692d ( 2 ) and 15 USC 1692f ( 8 ). 
PLEASE CHECK ATTACHMENTS BELOW FOR PROOF OF VIOLATIONS.
Consumer complaint received 2022-02-24
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I ATTENDED XXXX XXXX XXXX IN XXXX HOWEEVER THE SCHOOL WAS NOT ACREDITED AND THE SCHOOL WAS A SCAM AND TRICKED STUDENTS TO TAKE THESE LOANS OUT PUTTING THEM IN DEBT FOR YEARS TO COME TAKEING THERE TAXES AND GARNISHING WAGES .IN XXXX A LAWSUIT HAS BEEN IN PLACE
Consumer complaint received 2022-08-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (NJ)

My bank card was used fraudulently on XXXX. I called PNC on XXXX to report it, dispute it and cancel the card. There were 11 transactions but only 9 could be disputed at the time, the other 2 had to wait until posted. 2 disputes were filed. On XX/XX/XXXX I filed the dispute for the remaining 2 transactions. On XX/XX/XXXX the provisional credits on my account were reversed, charging back my account. I called and was told I was unreachable and they closed the disputes. I received 2 letters from PNC shortly after XXXX but that is all. No phone call, email, text, voice mail or message on my account. I also questioned why I was never asked anything on XX/XX/XXXX about the disputes when I called if there was information needed. No answer and oh well for you was the basic sentiment given. I reopened the disputes and asked when the credits will be applied since this is fraud and they are to protect me as a consumer with their bank. I was told no credits will be issued and I have to wait 45-90 days until the investigation is concluded to see if I will receive my money back. It was at that time I also noticed that one of the disputes I filed on XX/XX/XXXX didn't have a credit either. It was a new dispute at the time. The person couldn't answer and said, you will have to wait for that as well. This bank let someone use my money and is holding me responsible for it, is what their actions say. I have fraud protection on my account and they are not owning up to it, as they should as a financial institution. I was told that I can call the merchant and ask for the refunds myself since these purchases were not made by me. This is just criminal to me that a bank isn't protecting me from fraud on my account.
Consumer complaint received 2022-04-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I contacted XXXX TRANSUNION XXXX to dispute items from my credit report. 

XXXX XXXX XXXX for the amount of {$2300.00} which is not my account! The Bureau havent sent me documents proving that this is my debt but sent me update saying that this item will be deleted. As of XX/XX/2022 the account is still on my file TWICE MICHIGAN XXXX UNIVERSITY for the amount of {$8300.00} also account thats not mine! XXXX refuse to remove this account from my credit file XXXX XXXX & XXXX for the balance of {$5400.00} is inaccurate on my file also! Its reporting twice which brought my score down to XXXX
Consumer complaint received 2022-02-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

I call Equifax to dispute to inquirers on my credit report. They wanted me to run all around the world just to get some information to dispute it.XXXX Took the dispute right over the phone just with me verify who I am. Equifax didnt do that. Talk to the manager and he didnt want to help me either, I really dont know why Equifax has a fraud department when they dont want to help the consumer with fraudulent items on their credit report. 
Friendly XXXX XX/XX/2020 fraudulent XXXX XXXX XXXX XX/XX/2020 fraudulent These are the two inquires thats on my credit report and theyre Fraudulent.
Consumer complaint received 2017-08-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

On XX/XX/XXXX I submitted a complaint with this company due to previous disputes about a inaccurate dismissed bankruptcy reported on my credit report with Transunion, XXXX and XXXX in the amount of {$0.00}, which dates disputed with Transunion were XX/XX/XXXX,  XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and XXXX were XX/XX/XXXX and XXXX. As of XX/XX/XXXX the new law stated that all new judgements and liens will not go on credit reports unless they have identifiable information. Credit bureaus should begin to remove previous judgements and etc. that do not meet the new standards. Transunion, XXXX and XXXX failed to remove the bankruptcy off of my credit report in a timely manner. Transunion advised that it were investigated and came back that the Arkansas bankruptcy court verified the information which is a violation of the fair credit reporting act. I never heard a response back from XXXX and XXXX never replied with their dispute. I have listed documentation from the US Bankruptcy court that they do not report information to credit bureaus. XXXX followed the new law and removed such items from my credit report immediately.
Consumer complaint received 2017-08-30
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: SYNCHRONY FINANCIAL (NV)

We purchased a Refrigerator from J.C Penny store on XXXX2017 and it doesn't work at all. No cooling whatsoever. We contacted them several times then, and finally came on XX/XX/XXXX to pick-up their Defective appliance, Selling Defective Appliances really terrible, they charges us XXXX  for the Refrigerator. And XXXX for the Windows Blinds., and on other statement showing $800.00 some dollars. Therefore; J C Penny must removed the Refrigerator price from the statement period. and rectify the Blinds amount correctly.
Consumer complaint received 2017-08-30
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: SUNTRUST BANKS, INC. (GA)

XX/XX/XXXX, rented a car from XXXX XXXX XXXX XXXX out of XXXX XXXX XXXX, XXXX XXXX Ga. The close out receipt called for a single payment of {$470.00}, which I accepted and left the airport. My credit card was charged {$260.00} w/o my legal authorization. Dealing with XXXX, they alleged it was for a damaged window, which I had company rental agreement stating the vehicle was already damaged. Next allegation, it was for loss of use of vehicle and subsequently, it was for 2nd rental. I filed a fraud complaint with Suntrust somewhere around mid XX/XX/XXXX and before XX/XX/XXXX. During that period, XXXX agreed to recredit the card on XX/XX/XXXX. Instead XXXX charge my card against while SunTrust was sitting on a fraud complaint. I received a letter from SunTrust XX/XX/XXXX stating my case was closed, even though XXXX had just issued an unauthorized purchase to the personal credit card.
SunTrust habits with complaints is act as thou the charging party is apart of the bank operation and appears to assist in undermining the customer rights under federal law.
Consumer complaint received 2016-01-12
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Pacific Union Financial, LLC (NY)

I have supplied the Pacific Union Financial LLC for the loan Number # XXXX All the requested documents as per their Research Department Asked for over numerous calls faxes and letters. The documentation from Police department and the Bank which I was victim of Identity Fraud and Theft. Proof was sent by certified mail, fax and email. 
The Loan company first did not acknowledge that they received my documentations and numerous phone calls. Later they simply do not respond to their own inquiry regarding the proof and supply of the documentation to properly investigate. I have even provided them with the contact information of XXXX XXXX Police Department Lieutenant investigating the fraud occurred on my behalf at the bank which was funding my mortgage payments. I even provided in writing the all required contact information of the bank manager. An official letter from the bank that all my asset were frozen due to the ongoing fraud investigation at the branch.
Consumer complaint received 2022-08-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (TX)

I have previously filed complained complained against the company regarding accounts that were deactivated and Response came back from PayPal saying the reason for closure my account was accessing via VPN ( a behavior unacceptable by the company ). I would like to note that my my usage of VPN is not for the purpose of anonymity but for the rather due to my access from foreign countries as I travel a lot and I was advised actually by member PayPal support to use VPN when accessing the account which seems to work fine for more than two years ) and yet it is claimed to be suspicious activity and reason behind account closure, I can't seem to wrap my head around this! 

I have reason to suggest the actual cause for account closure to be ( retaliation ). 
Days prior to this incident, I received a notice of a dispute by a buyer of my services and upon opening the dispute I noticed the buyer name to match my own name for a transaction between my own personal and business accounts, I was told that I have filed a dispute against myself and money was later removed from receiving account and not credited into the sending account, clearly suspicious action and suggestive of XXXX XXXX. 
I XXXX  About the incident and expressed mistrust in the PayPal dispute system/process and questioned legitimacy of previous disputes I had gone through and that involved thousands of dollars I lost. 

My account got restricted and later permanently closed following this XXXX so I feel strongly that the actual reason behind closure was retaliation against my action and not because of XXXX because I have used XXXX for more than 2 years without issues in the past