davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-14
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. (CA)

In accordance witht the Fair Credit Reporting act XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXX Account # 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 2022-04-14
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)

In accordance witht the Fair Credit Reporting act XXXX XXXX XXXX  Original creditor : XXXX XXXXXXXX XXXX XXXX XXXX, Account # 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 2022-04-14
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. (CA)

In accordance witht the Fair Credit Reporting act XXXX XXXX XXXX  Original creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX, Account # 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 2024-03-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAC Financial Corp (OK)

I was mailed a statement on XX/XX/XXXX from XXXX stating what I owed in amount of {$900.00}. In which my attorney XXXX XXXX paid CAC financial services in XXXX the {$900.00} in XXXX of XXXX furthermore on a recorded call with CAC financial on XX/XX/XXXX XXXX XXXX XXXX stated that CAC received a check in amount of {$900.00} from my attorney in payment in full to account # XXXX CAC financial is reporting I owe XXXX XXXX XXXX dollars and some change before they will remove from my credit files.
Consumer complaint received 2022-04-14
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. (CA)

In accordance witht the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX, Account # 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 2017-08-29
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Caliber Home Loans, Inc. (FL)

On or about XXXX XXXX I received notification from my employer 's health plan that their database was compromised. They then offered me an ID theft protection plan. I checked all my records at that time and found nothing was affected.. When I went to file my taxes, I come to find out that my SS # was compromised and they took my tax refund. This was cleared up by the IRS for that year. Then in the midst of doing my taxes for the following year and secondarily at the request of the IRS an audit was requested. I come to find out that my SS # was used to get a vehicle loan in the state of CT. This was reported to the IRS and now they are requiring me to pay a tax penalty on this loan that I DID NOT report. In conjunction with my CPA and the theft ID program I/we have been attempting to get a letter from XXXX XXXX XXXX indicating that this is a fraudulent loan and that a letter is needed from them saying that so that I can turn it over to the XXXX XXXX of XXXX I have sent several letters and along with several phone calls have tried to get this resolved. They keep sending the information to the wrong address or they keep giving me the run around as to who to call, they never give a name of a person to speak with.
Consumer complaint received 2018-12-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

First of all, Portfolio Recovery calls me repeatedly from different phone numbers. I block a number, and they call from a different one. Not only that, but they called me just a minute ago on XX/XX/XXXXXX/XX/XXXX!!! I've had enough already. I'm tired of them using MY cell phone minutes that I have paid for. This company is already in trouble for their collection practices. I'm wondering if I can join in that lawsuit. The debt I owe to the original credit card company was bought by Portfolio Recovery which means it was paid off. I don't feel it's my obligation to pay a debt that they chose to buy from another company for much less than they're trying to collect from me.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I purchased an item from a company that went out of business and did not recieve my item. I completed payments on my XXXX loan on XX/XX/XXXX. 

XXXX first claimed they couldn't help me because I was outside of the 60 day resolution window and I would have to contact the merchant. The merchant is closed. They reopened the case. I provided proof of purchase and proof of business closure. 

I disputed the XXXX payments with my bank, who ruled in my favor since the company had closed, I didn't get my item, and XXXX was non-responsive. I was credited that money back. 

I am now receiving repeated contact from XXXX falsely stating that my loan has fallen into delinquency and will be reported to the credit bureaus as unpaid while my case is still under investigation. I was previously advised by XXXX to NOT make any payments while my case was being investigated. 

I have filed a dispute with Experian because Affirm is reporting a non-payment, even though I did not receive the item I financed. 

I called them on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and informed them that if they kept emailing, texting, and calling to collect while my case was in dispute and under investigation that I would report them to CFPB for false reports and continued harassment. They are continuing to contact me. I have emails and texts dating XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
Consumer complaint received 2022-02-23
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (GA)

A XXXX egift card was purchased online via XXXX on XX/XX/XXXX. I attempted to use the card at an online store as well as pay a bill online on XX/XX/XXXX and each time the card was declined, once stating the card was expired. On XX/XX/XXXX I contacted the issuing company who stated there was nothing wrong with the card. After several more unsuccessful attempts to use the card I called back and requested a refund, request # XXXX. I was told a check would be issued and mailed to my home address within XXXX days. The time has elapsed and I have contacted the issuer who appears to be unwilling to release my refund. The card can not be used and currently shows as On Hold via the online portal. I am requesting assistance to get a full refund of the card amount and card purchase fee, a total of {$200.00}.
Consumer complaint received 2022-04-14
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have a company on my credit report named XXXX XXXX XXXX XXXX XXXX. XXXX on 2022 i sent a ftc report also a police report to have this item removed because i do not have a XXXX  and im not on XXXX XXXX. I also asked for proof to be sent yo me with my signature saying im responsible and i agreed to this term of XXXX XXXX I have no proof, the credit bureaus wont send me anything saying this court ordered debt is my obligation.
Consumer complaint received 2023-07-29
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: SANTANDER HOLDINGS USA, INC. (MD)

I contacted XXXX XXXX Chrysler in regard to a purchase of a new vehicle. I went through the same process I would have anywhere else. The lender, Chrysler Capital, and the finance manager at the dealership requested a ton of documents as proof of income and I provided 12 month 's worth of Paycard statements, two years of tax returns, and all of my bank statements over the last 90 days. Along with all of my basic necessity documents to qualify for the loan. 

The loan was for {$35000.00} at 16 % interest and the payments were going to be 75 months at {$640.00} a month. The only reason the interest rate is what it is would be because of debts incurred waiting on unemployment and COVID related delinquencies. Again, waiting on unemployment and applying for thousands of jobs in all sectors because my resume is universal. 

I was told that because of my " self-employment '' that I had to be able to average out to {$5500.00} a month in pay in order to secure the loan. Well, if the interest rate wasn't 16 % the payments would be way lower. As I have never had a loan at that high of a rate for a car or a mortgaged home. 

While I understand what is transpiring here, I have a full background in finance. And I'm quite educated in what is going on here. 

I am a single female, making roughly {$75000.00} a year in self-employed income and I just got denied a loan for a car. So, they received all necessary documents to complete the process, that I would most definitely make with the intention to refinance. 

I find this loan process to be discriminatory, predatory, and an outright insult to make a XXXX-year-old woman out here independently on her own making her own money to not be approved for an auto loan. I shouldn't need a co-signer. And to top it all off, my credit is what it is due to decisions my government made causing massive inflation and debts that I would have resolved had I been employed ( jobs available ) and my unemployment was processed in a timely manner.
Consumer complaint received 2022-02-23
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)

Im simply asking transunion to do the work. My payment history during XXXX for XXXX XXXX shows two late payments on XX/XX/2018 and XX/XX/2018 first off I was never late. Secondly, there are two 30 day late payments showing for those months thats inaccurate reporting Ive included image of payment history to show the inaccuracies please correct
Consumer complaint received 2022-02-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent letters to XXXX, XXXX and TransUnion on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over XXXX days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2022-02-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (NY)

For months I have tried to resolve issues XXXX raised about my XXXX forgiveness process, but their communications are inaccurate, confusing, and vague. Today I received a document that said I didn't qualify for XXXX ( traditional -- I knew that ), but I might qualify for XXXX. Again, I knew this. I consolidated my XXXX loans to Direct Loans as directed, and I received confirmation that my employment was approved. What more is there to do? Why more confusing communication? 

Further, the document sent today has my current employer listed with an " end date '' of XX/XX/2021, the date they received my employment information I suppose? But it clearly says in my application this is my current employer ; I am a teacher at this school. 

I know I have more than XXXX months of public service. In fact, I've never worked anywhere but the federal government or a non-profit. Why is XXXX doing this to us? This is sheer incompetence. This process should not take so long. My loans were consolidated months ago! I hope to get resolution to this process ASAP. I am feeling very strung along.
Consumer complaint received 2022-02-23
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. (SC)

I have sent letters to the credit bureausmultiple times asking to have the incorrect addresses removed from my credit report as well as a fraudulent collection account and they have not responded to any of my letters. They have not updated my credit report either. I last sent a letter XX/XX/XXXX. I need help with getting this resolved.
Consumer complaint received 2022-02-23
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Nelnet, Inc. (AK)

Have been a victim of Identity Theft since XXXX when I turned XXXX, have not checked my credit until XXXX where I experienced a life changing situation and did not monitor my credit since. Had student loans and other unauthorized charges on my credit report, have been disputing them after confirming these charges were fraudulent.
Consumer complaint received 2024-01-15
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (NY)

My name is XXXX XXXX, and I have been a Citi credit card customer for more than 8 years. Citi Bank closed five of my Citi credit card accounts ( Citi Premier, Citi Reward Plus, Citi Costco, Citi Double Cash, and Citi XXXX XXXXXXXX ) at the end of XX/XX/2023, after I filed a billing dispute for XXXX on XX/XX/2023, for the online order I placed on XX/XX/2023, of total {$76.00}. The reason for my dispute is I returned the full order at XXXX 's store on XX/XX/2023, and received the order return confirmation email, but I have not received the refund on my Citi double cash credit card, after several communications. Citi closed all my credit cards because there was misrepresentation information about my disputes. The disputes related to this are XXXX and XXXX, which all favor my side on XX/XX/2023 after your investigation, after I provided the evidence ( attached for your reference ). I dont understand why you said I provided you with misrepresentation information for disputes as everything I did is true. I know there were a few XXXX disputes that happened in early XXXX, thats because my XXXX account had a technical issue and it lost track of all my XXXX returns without my awareness, so I never got the refunds for my XXXX returns and thats why I file disputes for not receiving the refunds after return, but I have never been asked to provide the evidence from Citi bank, otherwise I could send you the return tracking information and explained what's going on. I always follow your dispute guidelines and I think it is unethical to close all my credit card accounts without prior communication and the reason for closing my account is untenable ( If I provided misrepresentation information for dispute why do you favor my side after several months of investigation? ). I would hope you can reconsider my case and reopen my credit card accounts. Thank you so much!
Consumer complaint received 2022-04-14
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. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : 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 2017-08-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (ME)

In XX/XX/XXXX I filled out the Fedlaon application for loan forgiveness since I had been paying loans for over 10 years and worked for a non profit hospital. I received a letter saying that they were waiting to receive information from all my lenders. On XX/XX/XXXX I logged into their online account. On XX/XX/XXXX I inquired about the why I was now paying them and not my previous lender. On XX/XX/XXXX I again inquired about the missing second loan. The beginning of XX/XX/XXXX I called Fedloan because the monthly payments were different than what I had been paying. 
I told them that I was concerned my balloon payment the last two years was going to be over {$500.00}. They did not care. I asked them if I could set up an automatic withdrawal with another amount and they said they could not do this. At the same time I also realized while on the phone that I was truly not eligible for loan forgiveness. 

Had I know I would not qualify I would have left my loan with the other lender. Nowhere did it say that the loan would be turned over even if I did not qualify. I was under the impression that they would keep track of my loan status and let me know if I became eligible. 

My loan is now going to take a couple of months longer to get paid.
Consumer complaint received 2022-02-23
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CLGF Holdco 1, LLC (NY)

XXXX and XXXX opened a Genesis Financial Services account when I was purchasing furniture I had a account already with XXXX so Im not sure why they opened the second account but I disputed with credit bureaus and it was closed in XXXX but reopened by Genesis in XXXX I have disputed 3x with credit bureaus but Genesis XXXX rains the account When I call Genesis they tell me its closed but its still o my credit report as open for {$4000.00}
Consumer complaint received 2015-10-24
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC (NC)

I used XXXX to load {$110.00} to my Rushcard account on XX/XX/2015. I waited for 2 days and the money never went on my card. So i called XXXX and they said they sent the money to Rushcard. Then i call Rushcard and they said they posted it to my Rushcard account. So i wait a couple of hours to check it and it 's still has not posted to my Rushcard account. I have not been able to get a Rushcard rep on the phone and today is XX/XX/2015. I have a receipt from XXXX showing I sent the money.
Consumer complaint received 2022-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (CA)

TD AUTO was out of COVID-19 relief compliance. They didn't comply to resolve my COVID-19 relief request in XXXX of payment extension, this issue was reported to the office of Attorney General whom contacted TD Auto, because XXXX XXXX XXXX was sued for taking advantage of consumers and so was TD Auto in XXXX Then TD AUTO turned around and sent my account to a collection agency. Our Lawyer wrote back to that collection agency that TD Auto was out of COVID-19 compliance and and the collection agency disappeared, then TD AUTO surprisingly started reporting monthly charged off ( CO ) on my credit report after their collection agency disappeared.This was brought to my attention by a car dealership and wanted us to contact TD of why CO was reported monthly instead of just once as a charge off notice. Kindly assist us to clarify from TD AUTO why they kept reporting " charge off - CO '' every month? I think this causes for a lawsuit against TD AUTO of malicious, intolerable, incongruous monthly illegal charge-off. Thanks. XXXX
Consumer complaint received 2022-02-23
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: Experian Information Solutions Inc. (MD)

XXXXXXXX XXXX XXXX XX/XX/2021 ; ThIS Inquiry is reporting on my personal credit file with ( Experian/XXXX ) credit reporting agency. This Inquiry was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me.