davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Complete Credit Solutions, Inc. (GA)

About a year ago, I started receiving spam calls about an attempt to collect a debt and I notified the company that this was not accurate and they have the wrong person. The company was aggressive and of no assistance in getting this removed. Instead, the debt was submitted to the 3 credit bureaus. I spoke with XXXX, XXXX, and XXXX about this issue and provided adequate documentation proving this was a fraud collection account and identity theft concern. XXXX and XXXX removed the collections account and place a fraud freeze on my account to prevent this from happening in the future. Meanwhile, XXXX has been of no assistance and continues to violate my rights as a consumer which grants me the right to a fair and accurate consumer report. I have spoken with XXXX for over a year and have submitted the documentation and they have not removed the account from my report despite the documentation provided. They have provided lenders with inaccurate reports causing false denials, which has hurt me significantly. XXXX does not have my accurate demographic information in the system which is even a further reason I know they have not handled my account correctly.
Consumer complaint received 2022-09-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NH)

In a recent transaction using PayPal I have begun to suspect fraudulent activity. I have tried on multiple occasions to contact the seller but have received no response. 



PayPal also said that their responsibility is limited, as this was listed as a service instead of a product. I wish I had been warned. 



PayPal has also said that they would get back to me by XX/XX/2022 at XXXX. Really? 



Hoping that you can intervene on my behalf. 



Many Thanks, XXXX XXXX XXXX XXXX XXXX XXXX, NH XXXX ( XXXX ) XXXX
Consumer complaint received 2022-03-05
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. (CA)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. 
Failure to do so is a violation of my rights.
Consumer complaint received 2022-09-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (NY)

I contacted Edfinancial, my federal loan service provider, on Friday, XX/XX/2022 after the government announced student loan forgiveness. I make below the income needed to qualify for forgiveness and I received a XXXX XXXX so I would qualify for the full $ XXXX forgiveness. 

During the pandemic, I made {$9700.00} worth of payments. The Federal Student Aid website explains that I can request a refund for all payments I made during the pandemic due to the CARES Act. The refund would reinstate my loan balance on Edfinancial so it could then be forgiven as part of Bidens Loan Forgiveness plan. I understand actually cutting the check would take longer since it comes from the government but its Edfinancials role to ensure the request is submitted in a timely fashion and that the balance is reinstated promptly.

That Friday, I called Edfinancial to make the refund request. They said the refund timeline would take a minimum of 150 days. This processing time is completely different from that of every other servicer. XXXX, XXXX XXXX, XXXX, and XXXX are other loan servicers and are quoting 3-8 weeks turnaround time. I also know people with accounts at these services and they are already seeing the balance reinstated on their accounts. 

I called Edfinancial a week later on Thursday, XX/XX/2022 and asked to confirm when the balance would be reflected back in my account ( again, its my understanding that the government issues the funds, but the loan servicing provider reinstates the balance on their own accord ). Once again, Edfinancial said it would take a minimum of 150 days and that they would ONLY reinstate the balance after the check was cut by the government. They also blamed the government for why they cant reinstate the balance on my account more quickly even though other loan servicing providers do not have to wait for the government to reinstate balances. 

This is worrying for me since the balance has to be reinstated for forgiveness to occur. This means that I wouldnt see the balance on my account until XXXX at the earliest, which would be when interest rates and payments would resume. Additionally, Edfinancial is not able to provide confirmation on any of this. They said they will not provide written confirmation that the refund request has been put through. 

Again, they are the ONLY student loan provider that is providing this long timeline. Other loan servicing providers are already reinstating balances on accounts after a few days, but Edfinancial is saying this will take 5-6 months to a year. I understand that Edfinancial has a lot of requests coming in but so do the other providers.

It's concerning that Edfinancial appears to be misleading consumers with these long payment timelines that would put consumers at risk for losing loan forgiveness.
Consumer complaint received 2022-03-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CLGF Holdco 1, LLC (PA)

Never used this credit card EVER!! I told them to send me the statements of what I purchased and received a goose egg! I want this removed from my credit report. They rang me up in monthly interest fees! I never used the card! I don't even think I ever activated it!
Consumer complaint received 2022-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

Submitted a dispute to Equifax by mail on XX/XX/2022. No response to that dispute. Submitted a dispute electronically ( confirmation # XXXX ) on the Equifax website and the dispute was completely almost instantly with no corrections. I have a multitude of inquires on my account that need to be removed. None of these accounts disputed have my permission to pull my credit and are not attached to any open accounts either.
Consumer complaint received 2022-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions
Consumer complaint received 2022-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions
Consumer complaint received 2022-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

Illegal use of info on my credit report, harassing me with info illegally obtained from credit report, discrimination and making assumptions based on info illegally obtained, some that has nothing to do with me, XXXX harassment by credit company employees and other individuals and harassment from a cult, harassment from government organizations, government employees, police misconduct, group stalking, neighborhood watch in my community harassing me for paying my credit card bills or going shopping and snooping in my private info and mail. I cant put my phone number in my accts because otherwise i get harassed by my phone services with illegal surveilliance and triagulation that result in me getting wrongfully pulled over, ticketed and all types of problems!!! Have to sue a city because every day i am harassed in my car with info illegally obtained by other people and organizations. IT IS NONE OF ANYONE ELSES BUSINESS WHAT IS ON MY CREDIT REPORT IT SHOULDNT BE PUBLICLY DISCLOSED WITHOUT MY CONSENT people shouldnt drive around me while im in my car trying to HARASS me with info from illegal background checks or credit reporting VIOLATION OF THE 4TH AND 14TH AMENDMENTS
Consumer complaint received 2022-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

RE : Account # XXXX XXXX XXXX currently reporting to my Transunion Consumer Report. This account exceeds the Statute Of Limitations for the State of XXXX.
Consumer complaint received 2021-08-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bull City Financial Solutions, Inc (NC)

I SENT A LETTER ON XX/XX/2021 TO THE COMPANY TO VERIFY THAT THIS DEBT IS MINE THEY FAIL TO VERFY THE INFORMATION I ASKED FOR TWICE.SENT ANOTHER LETTER TO VERIFY THAT THE DEBT IS MINE ALSO IN XXXX THEY NEVER RESPONED TO THE SECOND LETTER.
Consumer complaint received 2023-01-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (SC)

I was trying to get my money out of Coinbase Wallet. I transferred to XXXX XXXX as I was not having any luck getting it out of Coinbase. I received a phone call stating they were from the company and going to help me. He sent me a form, I mistakenly filled it out and they stole over XXXX. I filed a police report, Ive been in contact with a secret service agent, but no updates or contact. 

I work for a bank. If they got me, they getting dozens of people daily. Any help is appreciated The date was back in XXXX of 2022.
Consumer complaint received 2022-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

This was closed because it was not specific. I will make it specific. 

XXXX mortgage took over my account in XXXX. It was about 5 yrs old. The 30 year term ended in XX/XX/XXXX XXXX in other words, all payments were made at that time. HOWEVER- even though the contracted payments were all made, they still claim I owe 1/2 of what I started with after 30 yrs of payments. In XXXX of XXXX I was selling the property and trying to get a payoff from them. I didn't pay because the payments were all made. Why should I make payments on a mature loan? 

They reported me late XXXX -- you verify it and it comes back in a day. I want specifics. It is incorrect. Further its a cares act violation. I was involved in a forbearance and it was current so its illegal for them to report it late. 

All credit reporting and letters are forwarded to XXXX. how can someone in XXXX determine the laws of the XXXX for credit reporting? they just send the same documents and do not do anything -- but you accept them and do nothing to verify and that is why this complaint is coming to you. 

ACCT XXXX I will be pursuing this- trust me.
Consumer complaint received 2022-09-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (VA)

XX/XX/XXXX - Submitted a refund request for federal student loans paid in XXXX ( after the loan payment pause ) through XXXX to FedLoan Servicing. Customer service representative told me it will take about 2 weeks for the refund to arrive in my bank account. 

XX/XX/XXXX - called to check on the loan reinstatement and refund status. Customer service representative told me the Loan will be reinstated soon and the refund could take up-to 2 months. 

XX/XX/XXXX - my loan was reinstated on FedLoan servicing website. 

XXXX - I called to check on the timeline for refund as I need the money. The customer service representative mentioned that it could take up-to 150 days. 

I am concerned that the timeline for refund keeps going up each time I call and I dont think I would get the money ( but my loan has been reinstated already )
Consumer complaint received 2019-01-29
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: CITIBANK, N.A. (CA)

I found a new credit card on my credit report that I did not authorize. It was with Citi bank. It was supposedly opened on XX/XX/2019 reported on XX/XX/2019 with a limit of {$5600.00}. I never signed up for this card and have not received a card in the mail. I am worried that it might be identity theft.
Consumer complaint received 2024-02-06
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. (FL)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 CANNOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2022-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Equifax you reported verified a violation you can not do that only the consumer can enclosed are my written request by law that you need to follow under the law exactly as per my request XXXX XXXX
Consumer complaint received 2022-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (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. 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.

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 conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish my 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 2023-01-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (AZ)

XXXX I purchased a dishwasher from Best Buy on XXXX. It was to be delivered XXXX but because of a miscommunication with a third party delivery service it was finally delivered on XXXX, badly dented. I refused it and cancelled the purchase and credit card with Best Buy XXXX. 
The purchase was made by opening a no interest card issued by Citi card. Since I had already been billed, I contacted best buy to make sure the purchase and card were cancelled. A fellow named XXXX with the XXXX XXXX assured me that everything was closed. Then I started receiving phone calls from Citi card requesting payment, and that I as accruing late payments on a {$200.00} debt. 
When I contacted Best buy to figure out if a had this debt I was referred to Citi card, and was told that they couldn't find my account and to contact Best buy. A lady named XXXX ( XXXX XXXX member ) finally figured out by listening that I was being scammed and didn't owe anything and the account was closed. 
The scammer calls and asks the same questions that Best buy customer service members ask, except that they push to get the first XXXX digits of your credit card, not the last XXXX. The accent of calls are foreign sounding and callers are male and female.
Consumer complaint received 2020-09-15
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. (GA)

The credit reporting agency is reporting a bankruptcy that is not mine. I've been told that this inaccurate record was provided by XXXX. XXXX has investigated and advised that they were unable to verify the bankruptcy. There is no bankruptcy listed in my XXXX file, so when is the credit reporting agency reporting inaccurate information.
Consumer complaint received 2019-03-31
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. (GA)

I've provided enough information for these companies to conduct a thorough investigation. 
XXXX XXXX is reporting inaccurate on my credit report with XXXX  and Transunion and they refuse to delete the accounts.
Consumer complaint received 2019-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

This is the 3 time I have have to address this issue on I have had a few issue with account that I do not recognize on my credit report.ITS HAS BEEN PAST 30 DAY AND I WOULD LIKE THE ITEMS LISTED BELOW TO BE REMOVED ASAP. I am refinancing my home when I found the following accounts : XXXX  XXXX XXXX # XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX  # XXXX I have requested a re investigation to dispute the unknown accounts I need a copy of my credit report for my own personal review.
Consumer complaint received 2020-09-15
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Merchants' Credit Guide Company (IL)

Paid XXXX on XX/XX/2020 and XXXX on XX/XX/2020 to Merchants ' Credit Guide Co. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX XXXX : ( XXXX ) XXXX I still receive calls and it is still noted on my credit report. Im not sure how to take it off.
Consumer complaint received 2022-09-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (WV)

XX/XX/2022 To whomever this may concern, Hello, my name is XXXX XXXX XXXX - SSA # XXXX. One of the main issues I would like to discuss in this complaint is the dispensation of E.I.P. from the U.S. Treasury, it's decision on recipients, and the severity of the unprofessionalism and misappropriation that has occurred on behalf of the respondant. With records to verify, I am a tax-paying citizen and continue to give my example of integrity and formality within U.S. border for the sake of present and future generations to advance in this country. The last impression I would want to experience from lead positions in this nation, would be something totally contrary to what our flag flys for. Notwithstading, the reality of an State of Emergency is not limited to an biological epidemic ; the lack of funding for maintenance and security during this multi-faced crisis is all the more severe for citizens who actually appreciate a platform of freedom. With tax preparation completed many months ago ; on top of prepaid+checking accounts activated solely for the E.I.P., I try not to become as frustrated as these circumstances have taken me. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-09-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (TX)

We are a XXXX XXXX in Texas and we have been attempting to retrieve the Release of Lien from The Loan Depot, and their Servicer, XXXX XXXX XXXX. We handled a purchase transaction for the seller, XXXX XXXX XXXX and XXXX XXXX XXXX. We have 3rd Party Authorization signed twice by the sellers, as well as a copy of their drivers license, a request by XXXX XXXX XXXX We wired payoff funds to XXXX XXXX XXXX XXXX XX/XX/2022. Multiple calls to the Servicer, letters and emails, phone calls, and a phone call to the CFO of Loan Depot, XXXX XXXX have not produced the Release of Lien. We have jumped through every hoop, and provided everything they have asked us to. We are approaching 120 days. I have attached our documented attempts to acquire the Release of Lien, Proof of wired funds, Payoff Statement, both 3rd Party Authorizations.
Consumer complaint received 2015-10-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

The State of Alabama incorrectly filed a lien against me in 2013. They have since rescinded the lien back to its original date of XX/XX/2013. Transunion refuses to acknowledge the rescission and continues to erroneously report the lien as " Paid, Rescinded. '' It was never paid and they have no documentation to support their claim.