davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Neon Newco Corporation (NY)

I recently tried to get a refund on my MasterCard but No matter what card I tried to put the refund on it wouldn't go through because the merchant told me that MasterCard and visa companies want to charge for the transaction of the refund itself so because I had a XXXX balance I couldn't get the refund all because there was no money in my account for them to take. Talk about some money grubbing XXXX. That is the most ridiculous thing I have ever heard in my life just so the banks could XXXX people out of more money then they already do when it comes to interest on loans XXXX. The merchants can't give the refunds back to people who have a XXXX  balance on there cards because of this issue and it's not like the bank needs the extra cash that bad to make a rule like this. They make enough money for closing on good people 's homes and property that they buy when the owners can't pay there ridiculous fees in time. If I had it my way I would shut the whole banking system down plus these card companies for doing this XXXX to people. Some people actually have to bust there XXXX making a living while others sit behind a desk and come up with new ways to take there money.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION (NC)

See the attached document ( s ) /letter.

16 CFR 313. Privacy of Consumer Financial Information ; 16 CFR 313.1 Purpose and Scope ; 16 CFR 313.7 Forms of Opt-Out Notice to Consumers ; Opt-out methods; 16 CFR 433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.

16 CFR 433.3 Exemption of sellers taking or receiving open-end consumer credit contracts before XX/XX/1977 from requirements of 433.2 ( a ).

16 CFR 444.2 Unfair credit practices.

Privacy Act of 1974.
Consumer complaint received 2022-05-04
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Affirm Holdings, Inc (OH)

I have disputed this debt with affirm several times. This is debt that i do not owe. Ive never had any relations or business with this company. They continue to furnish this debt on my credit report and have failed to report this debt as fraud. They have violated several of my rights and broken several laws. I havent given affirm my written instructions or consent to furnish anything on my credit report. They continue to violate my rights. 
If these accounts arent deleted from my credit report WITH XXXX XXXX  i will file for litigation immediately. 

According to 15 U.S.C 1681 section 602 A. states i have the right to privacy.

Also, according to 15 U.S.C 6802. No financial institution is supposed to share my information to third party people.

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.

15 U.S.C 1681 Section 604 A section 2 : also states a consumer reporting agency can not furnish a account without my written instructions. 

i have not given these accounts ( below ) or affirm my written permission to furnish these accounts on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-04
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. (AL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer XXXX now XXXX homeless XXXX cant provide to my XXXX XXXX  XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2020-12-14
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)

Transunion customer service would not help and take care of the negative inquiries reporting to my credit report. 


TRANSUNION INQUIRES PLEASE USE HUMAN VERIFICATION AND NOT E-OSCAR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SCHOOLSFIRST FEDERAL CREDIT UNION (CA)

Wrote an email to SchoolsFirst Credit Union after I received by statement saying I qualified to skip a payment ( which they did not include in the statement ), but that I would continue to have interest accrue. This does not help - a deferred balloon payment with compounded interest is no help. The statement also proffered that they were 'UPDATING '' a " new design ''. 

I had asked for help in XX/XX/2020 because of COVID-19, schools were closed, so there were no paychecks since XX/XX/2020. They said the same - a deferred payment that would continue to compound interest. Not even negotiating interest for an elderly customer who had asked for help during this COVID-19 Pandemic. 

I suggested they pass the cost of a " updated statement : designer '' onto the teachers who are SchoolsFirst customers who are pleading for help re : COVID-19.
Consumer complaint received 2022-05-04
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. (NJ)

15 U.S.C 1681 section 602 A. - States I have the right to privacy.

Section 604 A Section 2-states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) and 1681s 2 ( A ) ( 1 )
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NJ)

I recently pulled my credit reports from XXXX, XXXX and Experian and saw there were multiple inquiries I did not recognize and did not authorize. I contacted the credit bureaus multipe times and they would not help me and gave me the run around. They eventually informed me to make a report on FTC regarding said inquiries : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Webcollex, LLC (GA)

The fraud was carried out in my name and SSN on XXXX XXXX. I have made several attempts to let CKS financial Services remove it from my report. They are not yielding. At their request, I faxed a Police report to them on XX/XX/XXXX. As of Monday XXXX XXXXXX/XX/XXXX, ( XXXX days ago ), when I spoke with them over the phone, they insisted the credit is valid in my name. The address they have on file for the fraudster is totally different from my address. I have been living in my address for over 17 years.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA (NC)

My student loans were forgiven back in XXXX and they still appear on my credit report. 

Credit report showing below : MOHELA/DEPT OF ED -XXXX % paid off {$13000.00} MOHELA/DEPT OF ED XXXX % paid off {$10000.00} MOHELA/DEPT OF ED XXXX % paid off {$8600.00} MOHELA/DEPT OF ED XXXX % paid off {$8600.00} MOHELA/DEPT OF ED XXXX % paid off {$7800.00} From Mohela : PUBLIC SERVICE LOAN FORGIVENESS UPDATE! 
Congratulations! You have successfully met the requirements of the XXXX XXXX XXXX XXXX ( XXXX ) Program and all or a portion of your loans listed below have been forgiven. Thank you for your public service! 
Loans Details XX/XX/XXXX ACCT NUMBER : XXXX XXXX XXXX XX/XX/XXXX {$8600.00} {$0.00} XXXX XXXX XX/XX/XXXX {$8600.00} {$0.00} XXXX XXXX  XX/XX/XXXX {$7800.00} {$0.00} XXXX XXXX  XX/XX/XXXX {$13000.00} {$0.00} XXXX XXXX  XX/XX/XXXX {$10000.00} {$0.00}
Consumer complaint received 2022-05-04
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CNG FINANCIAL CORPORATION (MA)

Some combination of the entities known as XXXX, Check n Go,  and XXXX XXXX XXXX  issued a loan in my name and XXXX began sending bills to my email. I had not applied for the loan, and received no notification of it until the bills began arriving. When I tried to figure out what had happened, I could not reach XXXX at the telephone number provided, only " Check n Go. 'XXXX After hours on the phone with multiple departments, no one at Check n Go ( which has an unclear relation with XXXX and XXXX XXXX XXXX  ) could tell me the loan number or the amount. I was eventually told that it was a payday loan made in XXXX and neither the date of birth nor the social security number matched mine. Still, since I could only take their word for it and had received more than one bill in my name and to my email, I submitted a fraud report. The following week I received a call back from a man who identified himself as a supervisor with XXXX but did not seem to have the information in the fraud report. After I explained, he said he would remove my email but refused to provide any confirmation beyond his word, or any other proof that this error would be rectified, and then hung up on me. I subsequently received an email saying my email had been removed from their system. I am submitting this description because I want to inform others who may have the same time-consuming problem due to lack of basic verification by these dubious companies.
Consumer complaint received 2020-12-14
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: DISCOVER BANK (OH)

In XX/XX/2019 Discover Card alerted me to fraudulent activity on my card, closed the card, and sent me a new card. 

A service company that I was using at that time had their charge for {$95.00} denied because of the closed card. I updated my payment with the service company providing them a different Credit Card for payment. 

A few weeks later in XX/XX/2019 I cancelled my service with that service company, following the service company 's cancellation policy to call in and speak with a sales person. I did that and was told my service had been cancelled. 

Unfortunately that company proved to be dishonest and sent their people to my home which I refused explaining that I had cancelled service. In XX/XX/2019 I placed a second call and once again was transferred to a sales person who once again assured me that my service was cancelled. 

The company continued to send people to my home and I refused them each time and threatened to sue them for fraud and harassment if they did not stop. 

Over six ( 6 ) months after the original Discover Card account was closed, Discover Card allowed two separate charges by the service company to be approved and show up on my new account, which I never provided to the service company. I contacted Discover Card and disputed the charges. The service company only responded to one of the disputes claiming that we had a contract and Discover Card refused to reverse the charge. 

I spoke with three ( 3 ) different people all of whom refused to credit back the charge stating it was a recurring charge which I disputed. I submitted proof to Discover Card after they declined the charge from the service company in XX/XX/2019 that I provided the service company a different Credit Card for payment. 

Discover Card still refused to remove the charge from my account. I asked them how many times they denied charges to that account from the service provider from XX/XX/2019 through XX/XX/2019 and they refused to provide that information. 

After more than 15 years of being a loyal customer, paying off my balance every month, and never missing a payment, I closed my account with Discover Card and refuse to pay for the fraudulent charge. Discover Card has applied late payment fees to my closed account for the fraudulent charge that they allowed and is submitting non-payment notices to the Credit Bureaus attempting to harm my 800+ credit rating.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am submitting a complaint against TransUnion to the CFPB due to their failure to adequately respond to my dispute attempts regarding inaccurate items on my credit report. On XX/XX/XXXX, I mailed a dispute letter to TransUnion requesting an investigation into the inaccuracies. Additionally, I disputed incorrect personal information listed on my credit report and provided supporting documentation to verify my identity and address. 

TransUnion responded on XX/XX/XXXX, stating that they did not process my request as it did not appear to come directly from me or an authorized third party. Despite this, I sent follow-up disputes to TransUnion on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. However, I have not received any further response from TransUnion regarding these disputes. 

Under the Fair Credit Reporting Act, credit bureaus are required to conduct a reasonable reinvestigation when a consumer disputes the completeness or accuracy of any information in their file. It is evident that TransUnion has failed to fulfill this obligation by not conducting a reasonable investigation upon receipt of my disputes.
Consumer complaint received 2023-10-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (NJ)

Hello, I have student loans with EdFinancial totaling {$25000.00}. 

I owed {$25000.00} as of XX/XX/XXXXXXXX  when my first payment was due. I paid this in full, but EdFinancial reversed my payment. Now I owe approximately {$100.00} more. 

I spoke with them on the phone, today, XX/XX/XXXX with no help. They said that would give me a call but have not reached yet and said that the interest could not be reversed. 

I already spoke with the bank and they said that EdFinancial never even attempted to take the money out. I definitely entered the account number correctly when I made the payment and did receive a payment confirmation. 

XXXX XXXX
Consumer complaint received 2022-10-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (NY)

I called Aidvantage about reinstating my student loans that were paid off over the pandemic. I called them on XX/XX/XXXX and was told I would recieve a refund XXXX weeks from that day. ( That timeframe was XX/XX/XXXX to XX/XX/XXXX ). I called them on XX/XX/XXXX ( week five since initially calling on XX/XX/XXXX ) to get an update because I hadn't seen my loan balance change from {$0.00} and certainly did not receive a refund at that time. The representative I spoke to said it was supposed to be processed and send out to the DoE on XXXX but it was delayed and they still were processing it. They said that I should expect to see the loans reinstated the following week. I then called the following week on XX/XX/XXXX. The first person I spoke to said " your loan was sent on XX/XX/XXXX and you should be seeing a refund XXXX weeks from that time ''. That didn't sit well with me so I called back to reconfirm that information and the second person I spoke to said that it was still processing and not actually sent out. She said to call back in a week. I once again called back yesterday, XX/XX/XXXX, and the lady gave me more contradicting information.. all the representatives I spoke with gave me a different story. It has now been 7 weeks to the day since I initially called to have my loans reinstated and it is still " processing '', which they can not define what that means, and it has not left aidvantages hands. They are now telling me that I should give it til the end of the month at the very least before calling back. I want my loan reinstatement processed immediately so that I have a balance to be apply for the loan forgiveness by the suggested XX/XX/XXXX date. I payed off my student loans over the pandemic and did my due diligence and now when it comes time for them to reinstate them, they are not acting in a timely manner and preventing me from applying for forgiveness. There are others who have called after my that have already had their loans reinstated and I need clarification immediately. I have called them multiple times, had my case escalated, submitted a complaint on their website and nothing is working. Every person I speak to gives me different information and give me the go around. I am completely in the dark and they provide no paper trail or insight as to were your loan is in the process of being " processed ''
Consumer complaint received 2022-05-04
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. (NJ)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX XXXX XXXX XXXX- Account Number # # # # # # XXXX ( no account number provided ) has violated my rights : 15 U.S. Code 1681 Section 602 A- I have a right to privacy.

15 U.S. Code 1681 Section 604A- A consumer reporting agency can not furnish an account to my credit report without my written instructions.
Consumer complaint received 2022-05-04
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. (NJ)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, LP. Collection Agency- Account Number # # # # # # XXXX ( no account number provided ) has violated my rights : 15 U.S. Code 1681 Section 602 A- I have a right to privacy.

15 U.S. Code 1681 Section 604A- A consumer reporting agency can not furnish an account to my credit report without my written instructions.
Consumer complaint received 2020-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

There is a collection account on my Experian credit report for XXXX XXXX opened XX/XX/2019 that has been paid in full and all other credit bureaus have removed this account. Experian has it showing with a {$0.00} balance and negative.
Consumer complaint received 2022-05-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC. (FL)

Wakefield & Associates aka : XXXX XXXX  - original creditor XXXX  {$610.00} XXXX XXXX XXXX XXXX # XXXX XXXX, CO XXXX XXXX www.wakeassoc.com I have repeatedly contacted both original creditor and Wakefield & Associates on this is a fraud matter. I was removed and now is showing back up on all 3 of my credit bureau reports. I have filed complaints with your cfpb organization back in XXXX  and FTC Identity Theft and local law enforcements.
Consumer complaint received 2018-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (LA)

XXXX  has been non-compliant with removing the unverified account USAA SAVINGS BANK which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that USAA SAVINGS BANK was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX   did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2021-12-08
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)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.