davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-13
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)

I went to my bank to reply to a pre-approval I received from my bank. When I went to apply for the credit card my banker told me that I was not approved. I pulled my credit and there are things that are not mine. I have contacted the FTC and my local police. I am also 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 XXXX AN ACCOUNT WITH NO NAME ENDING ACCT # XXXX. There are also inquiries that are not mine. 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.
Consumer complaint received 2024-02-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MI)

XX/XX/XXXX payment is listed as in forbearance due to billing problems on MOHELA 's part. A call to MOHELA was made in XX/XX/XXXX regarding this issue and they assured me it would not affect my loan and would be remedied. I called them today, XX/XX/XXXX, as I noticed XX/XX/XXXX was still listed as in forbearance and will not count toward PSLF forgiveness. My payments are due to be forgiven in XX/XX/XXXX. They are refusing to correct it even though they acknowledge it is incorrectly listed. They refuse to give an estimate on correction. Employment status has not changed and they say they don't know if I was employed as a teacher for just XXXX. After XXXX hours on hold with MOHELA they were unwilling to assist.
Consumer complaint received 2023-03-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (VA)

Under Regulation E ( 12 CFR 205.6 ), I did not authorize a transfer of 3 payments of {$300.00} not involving loss or theft of an access device. A total of {$900.00} was taken from my XXXX XXXX account through Zelle on XX/XX/2023
Consumer complaint received 2023-10-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

My USAA online bank account was accessed unauthorized and a fraudulent external bank account, ending in XXXX, was added and verified to my account without my knowledge or authorization on XX/XX/XXXX. Two transfers of {$5000.00} were made, one into my checking and one into my savings on XX/XX/XXXX and XX/XX/XXXX. On the same days, XX/XX/XXXX and XX/XX/XXXX, XXXX transfers were made out of my checking and savings, of {$4900.00} and {$4900.00} respectively into an account ending in XXXX. I did not receive a notification that this activity was going on. The initial {$5000.00} transfers into my accounts were made from accounts that I do not use often and did not have the funds to cover the transfers. One {$5000.00} transfer was into a savings account that I only transfer small amounts, less than {$50.00}, every month. I am very disappointed with USAA for not seeing that a large transfer into and out of my account that I don't actively use was made all in one day. That should have been an automatic flag but no response from USAA. They had the nerve to say there was no fraudulent activity and the transfers were my responsibility. I had to call to get this information about my account because USAA had not sent any correspondence or made any calls to me. I have been calling everyday to tell them what they should already know that my account had fraudulent activity. USAA reopened my case and I am waiting again to see what they will do to recover my money. I put a fraud alert on my credit file and submitted a claim to identitytheft.gov as well. I don't know what else to do. please help
Consumer complaint received 2019-02-06
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (NJ)

PayPal credit advertises 0 % apr for 6 month for all purchases over {$100.00}. 
On XX/XX/2018 I made a purchase of {$2000.00} however PayPal charged me a finance fee on this amount against their advertised offering.
Consumer complaint received 2018-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

XXXX  will not correct my prior student loans off my account, some were fraud some a double posting. All over 7 years ago, some still on after 15 years ago. I used muilti lawyers firms and XXXX XXXX to settle my account. None are even to be posted to my account. 

XXXX  noted in my dispute file that I have already disputed the account and they don't have to do anything else about it.. 

Federal and state illilgal. I should be able to dispute any files till it's corrected.
Consumer complaint received 2019-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I need to file a complaint on Transunion I have asked them to delete XXXX   XXXX from my credit report due to wrong account Number but they refuse to. per FCRA INFORMATION HAS TO BE REPORTING 100 % CORRECT I WANT THIS ACCOUNT TO BE DELETED TODAY. 
I'm sorry for sending so many dispute / complaint on you but as a aggressive consumer I feel if I have write dispute letters to you! drive to the Post office to  send certified mail to your business and wait 30 days and supply factual documents to you then wait 30 days talking about the account has been verified. after sending you Proof is unacceptable and very time consuming. I will let you Know I just sued XXXX the other and won for violation of the FCRA I Don't want to see the reporting company such as yours But you guy 's need to step up and do your Job. I found out last Thursday in court about the XXXX XXXX   system And how it works anyone can Punch in a code and go on their merry way I will not back down even if it means filing suit But like I said I don't want that all I ask is you got do what the fcra Req.again I'm sorry for the One by one complaint with the CFPB BUT IF YOU DON'T STAND UP AND FIGHT YOU WILL NOT GET ANY WHERE. PLEASE DELETE ALL ACCOUNTS THAT IS REPORTING ERRONEOUS AND NEG ITEMS THANK YOU!
Consumer complaint received 2024-02-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Atlanticus Services Corporation (MO)

I have a credit card with Fortiva. I've been late on making payments, but not 30 days past due. They've contacted me on XX/XX/XXXX and XX/XX/XXXX from the phone number of XXXX. When the call came through, the caller ID listed the inbound call as " Est Plan Strtgy. '' I'm guessing this is short for Estate Plan Strategy. If this is intentional on their part, I think this is deceptive and underhanded to misreprent themselves as another entity. I would like for this matter to be investigated.
Consumer complaint received 2019-04-13
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: Coastal Credit, LLC (FL)

XX/XX/2019 I asked for, in writing to receive original debt verification. I received a letter on XX/XX/2019 that stated, because they are the first party creditor they were not obligated to provide the requested information.
Consumer complaint received 2019-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

Need to File a complaint on Transunion for failure to investigate a dispute i sent into 2 times and they claim that the account was Verifed But FCRA A CHARGED OFF ACCOUNT SHOULD HAVE A XXXX BALANCE NO MONTHLY PAYMENT HISTORY BUT TRANSUNION CLAIM THAT THE ACCOUNT WAS REPORTING CORRECTLY XXXX XXXX  ACCOUNT XXXX IS SHOWING A BALANCE OF XXXX IT SHOULD NOT REPORT A BALANCE DELETE THIS ACCOUNT TODAY ALSO NOT SHOWING THE NAME TO WHOM THE ACCOUNT WAS SOLD TO OR ANYTHING REMOVE IT TODAY
Consumer complaint received 2023-03-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC (TX)

I spoke to XXXX XXXX on XXXX between the times of XXXX from Sequium collection agency. I was told if I paid the amount in full he would send over an emailed letter stating it would be sent over to the credit bureaus for request of deletion. I asked him if " request for deletion '' would be on the letter and he said yes if I paid in full today it would be on there. I ask a couple times before I paid cause it was important to have that information on the letter along with the company name. I received the letter but the information promised was not in the letter. I have not been able to get In touch with XXXX XXXX since. I've spoken to other managers trying to get in touch with XXXX XXXX and I was first told he was in a meeting and he would call me back, after not receiving a phone call I called again and was told he wasn't in the office that day. When I call the number XXXX XXXX gave me XXXX it says the number is disconnected.
Consumer complaint received 2019-04-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp (MA)

CHECK # XXXX ISSUED FROM XXXX  XXXX XXXX  UNDER MY NAME CLEARED ON XX/XX/2019.YET THE PAYMENT HAS YET TO BE POSTED ON MY ACCOUNT IN A TIMELY EXPEDITIOUS MANNER, LENDING CLUB GOT THE MONEY BUT HAS NOT CREDITED MY ACCOUNT.
Consumer complaint received 2019-04-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

I submitted a transaction dispute for {$600.00} back in XXXX when I XXXX XXXX XXXX a web design company that I hired failed to provide the service I paid for and completely ignored my emails following up with whether he was able to complete the task. USAA asked me to submit additional information, but I didn't see the emails and they took the temporary deposit back. I called to find out why they had taken the money back and they explained that I hadn't provided them with information. I asked for the dispute to be reopened and they told me I had to mail the paperwork in. I mailed it and gave them a until XX/XX/2019 to do the investigate. I didn't hear anything back them so I called again. The USAA rep I spoke to told me that he saw the documentation, and that nothing was done with it and that I would need to resend the paperwork and a letter requesting the dispute be reopened. He said it was their fault for not following through back in XXXX until XXXX. So I sent it immediately that day and waited again. I called yesterday, XX/XX/XXXX and they once again never did anything with the paperwork and told me that I had missed the window. The vendor that I paid {$600.00} to did absolutely nothing and I've done what USAA told me to multiple time to get my money back. Each of these conversation were record, I ask the USAA rep I spoke yesterday. I just want my {$600.00} refunded back to me as the vendor did not do any of the work he was contracted to do.
Consumer complaint received 2023-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I pulled my consumer report and noticed several non mailable addresses and other incorrect personal information. To ensure I receive all mail from the United Postal Services, heres my corrected address XXXX XXXX XXXX XXXX, GA XXXX as all others are not reportable as per the FCRA, since they are inaccurate. I do not desire a phone number be listed My name should also read : XXXX XXXX XXXX, My Date of Birth is : XX/XX/ My employer is : XXXX XXXX XXXX My Social Security no. : XXXX Remove any and all other information to relinquish all identity theft claims as the information you are reporting is not mine. 

XXXX XXXX XXXX
Consumer complaint received 2023-08-23
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. (NV)

Dear Equifax, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX has admitted that they DO NOT have my signature or consent to view ANY of my private health information. 

Please advise that withholding FULL documentation ( including SIGNATURES and my consent ) you received from any medical provider in an attempt to be HIPAA compliant is a violation of FDCPA. 

Please advise if XXXX XXXX is not removed from my credit report IMMEDIATELY I will seek damages.
Consumer complaint received 2023-03-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Atlanticus Services Corporation (SC)

I was contacted by XXXXXXXX XXXX  who i have no business with and the notified me they were collecting a debt from a XXXX int purchase who i have no business with either. the representative advised me that he was a debt collector on behalf of XXXX XXXX a subsidary of XXXX int purchase. I have not given any information or giving any company the right to share my personal info social security number and telephone number. Aware of my rights as a consumer and natural person under the FCRA. These XXXX comp [ anies per representative who contacted me are Fortiva who shared my info with these XXXX companies without my knowledge or consent. 
I have asked fortiva in a previous complaint not to share my info in claim # per 15 USC 1681 section 602 A. states I have the right of privacy which for the second complaint been violated. 
I am asking for a remdy of {$1000.00} per violation. 
this has caused me extreme anxiety since i was a victim of fraud previously and have XXXX children who count on me and these calls and requests are alot to handle and manage my life due to these pressures and egregious attacks on my name, credibility and ability to maintain.
Consumer complaint received 2023-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MA)

EXPERIAN is obligated by the FCRA to report accurate accounting, responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other, ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Experian and CBNA whether it be verbal, non-verbal, written, implied or otherwise is revoked! 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless, the consumer is given an explanation of how the consumer can exercise that nondisclosure option. CBNA Never informed me of my right to exercise my nondisclosure option. also 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' Experian are not maintaining reasonable procedures. 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. CBNA " I am opting out of your reporting services.
Consumer complaint received 2024-04-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (AZ)

I sent a bill pay from my personal checking account with XXXX XXXX  and I assumed it was towards my wifes credit card. After speaking with my wife she didnt receive payment. XXXX claimed that they arent able to dispute the transaction after much back and forth and Citibank would not either. The bill payment id XXXX Citi XXXX {$200.00} XXXX in the claims department with XXXX Claim number : XXXX
Consumer complaint received 2018-08-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc. (TX)

Diversified has input an account onto my credit file that I am unaware of. I have never had any debt for the amount of {$1800.00} nor have I ever even heard of Diversified Consultants up until now. Diversified has never contacted to inform me of this alleged debt or to give me the right of disputing the validity of this alleged account. I am a victim of identity theft and this account is a direct result of identity theft. I have never had any dealings with Diversified or any company that they represent. I have never had a contract or obligations that would suggest that I owe Diverisied any monies.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

FCRA Violations NOT mine not my credit cards XXXX  XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. 
XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$7200.00} Status Account charged off. {$7200.00} written off. {$1800.00} past due as of XX/XX/XXXX. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$3700.00} Status Account charged off. {$3700.00} written off. {$3700.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX - XXXX XXXX in settlement. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1400.00} Status Account charged off. {$1900.00} written off. {$1400.00} past due as of XX/XX/XXXX. 
THE XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4500.00} Status Account charged off. 
not my addresses XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Apartment complex XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Resident type Multifamily not my phone numbers ( XXXX ) XXXX Cellular ( XXXX ) XXXX not my name XXXX XXXX not my inquries XXXX Inquired on XX/XX/XXXX On XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX
Consumer complaint received 2023-10-17
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CLGF Holdco 1, LLC (MS)

I got a junk email from destiny master card and I dont need a credit card and the email said XXXX XXXX invited and I got a screenshot of the email and I dont know how they got my email address and the words in the email is from another languages
Consumer complaint received 2018-04-10
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX I uploaded on experian.com/XXXX  successfully my dispute letter and credit report to Experian about public records they are reporting by error on my credit report. I also provided them with a copy of my driver 's license with my current address to provide identification. 

I called yesterday XX/XX/XXXX to check on the status of the investigation but the representative said that they had not investigated anything received onXX/XX/XXXX. Experian is suppose to contact the data furnisher of this disputed information within 5 days of a dispute. They did not and this is a violation of the Fair Credit Reporting Act.
Consumer complaint received 2019-04-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Dynamic Recovery Solutions, LLC (NY)

On XX/XX/19 I started paying to Dynamic Recovery Solutions my debt with XXXX XXXX. They offered me a settlement to pay 4 statements of {$100.00} dollars. I was told that after finishing the 4 payments my debt would be considered payed in full and removed from collections. 
I finished paying the 4th and last statement on XX/XX/XXXX and the debt still shows on collections.
Consumer complaint received 2018-04-10
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

I paid my debt in full with the creditors and they will not update my credit report. Ive contacted and submitted a dispute to XXXX, XXXX and XXXX and they stated they received my dispute and it was updated to the favor or the creditor. 

All three agencies sent me generic letters stating the findings remain the same. I have receipts for paid accounts and they will not update my account to paid in full.