davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

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. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights .

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-05-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (WA)

On XX/XX/2019 I received a cashier check from the US Bank. The check was sent to me in a response/compensation for a fraudulent activity that happened thanks to the US Bank. I already made a complaint about US bank not handling the fraud that happened to me in a proper way ( complaint # XXXX ). Basically, the manager of tellers of the US Bank in XXXX IL at XXXX XXXX XXXX released my money at the counter on XX/XX/2019 to the unknown person. I do not think at that time the bank nor XXXX ( the teller ) handled the security of my account properly. My money from the account were withdrawn by the fraudulent person. The investigation started. Till XX/XX/19 I had no compensation from the bank, no emergency funds were given to me. Once the investigation has finally closed, I received a check, BUT the check was made to me and my father ( who was authorized on my account ). My US bank account is currently closed and was closed due to security reasons before the investigation ended. Before closing my account I specifically asked if closing the account will make any problems with getting a return check to me. I also asked If my check can be made to ME only, as my father does not live with me. Again, Everyone stated there will be no problem, as I will have a cashier made out only to me. WRONG. I got a cashier check made to me and to my father. I was told by US bank that I can not cash it at their bank ( XXXX XXXX XXXX XXXX XXXX ) as my father 's signature has to be on it. They also told me they can not issue me a new check made out only to me. Even though I am a primary holder of the account. The fraud department also told me they can not issue me a new check made out only to me. It is hard to believe, that it was easy to release my money to someone at the local brach, but as a customer of the bank is so difficult to receive my money back. It is the most unprofessional and untrusty bank I have ever dealt with. No one is held responsible, and I am spending countless hours calling, visiting banks and losing my personal and professional time from work.
Consumer complaint received 2019-05-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (SC)

I have been fighting with them for almost 1 year. Back and forth between XXXX and XXXX. They said I was paid In Full again for about the 10th time and now I call AGAIN and they say they need proof again of my equipment return. I have submitted and confirmed it with them multiple times and no exaggeration, talked on the phone for a minimum of 10 hours.
Consumer complaint received 2019-09-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HEARTLAND PAYMENT SYSTEMS INC (GA)

XX/XX/XXXX-XX/XX/XXXX I consistently contacted the school about the status of my financial aid. XXXX XXXX who is supposed to be my success coach and financial aid advisor rarely calls, and rarely emails me back. He always replies to my questions with, you have to go search for scholarships ; never provides any real feedback on the entire outlook on my financial aide status as it relates to, having enough funds to graduate. I notified the dean of this exact issue before ; they never resolved it. The school sends most students refunds that are equivalent to XXXX and then I had classmates who complained the year before they graduate, the school drops them from courses because they charged them with not having enough money to complete their last quarter. The cycle needs to end at XXXX XXXX.
Consumer complaint received 2019-05-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (PA)

Hi, I created an account with Paypal.com almost 15 years ago ( in XXXX ). Since my name can reveal my race ( I'm XXXX ), I used a different name than my real name to hide my race. This was because I thought in general you don't have to reveal your race to anybody. Paypal.com let me create my account which is linked to my bank account and credit card. They let me use it to pay merchants, receive money and withdraw my fund, all under my make-up name. 

This was going fine until XX/XX/XXXX when I sent to my sister US {$5000.00} through the account. Paypal.com then froze my account and has not since let me access my fund of over US {$5500.00}. Now they asked me to provide legal documents to prove my identity ( Paypal.com case id XXXX ). I have complied to their request and provided ( by uploading through their website ) all requested copies of legal documents including my photo driver 's license, utility bill, bank statement, passport, etc., showing my real name, address, bank account information, etc. To this day, they have not let me use my fund from the account. 

I feel like I have been cheated and robbed my money by their system by letting me put my money in the account and then freezing it indefinitely even after I have proved my identity to them. 

Please help me get access to my fund in my Paypal account. Please let me know if you need more information. 

Thank you so much in advance.
Consumer complaint received 2019-05-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NV)

As shown by previous filed complaints with consumer finance my mortgage has been in default for over 10 years. The investor has changed servicing companies numerous times in that period. 
The current servicer has never provided a certified copy of the note or the deed of trust. The state mediator disallowed the previous servicing company to foreclose on the home for this reason. The investor then hired Bayview Loan servicing and they have scheduled a foreclosure despite the previously mentioned facts. 
They have not followed procedure. They have refused to speak with me or designate a representative. The phone number provided goes straight to a system that is programmed to hang up with it learns my account number. 
It is my understanding that in my state the servicer is prohibited from foreclosing and or collections if the defaulted loan is over 10 years which it is.
Consumer complaint received 2019-05-03
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (DE)

On XX/XX/XXXX at approximately XXXX XXXX EST, I contacted Navient in regards to reducing my monthly payment amount for all 8 of my private loans. The first representative offered no options so I asked to speak to a supervisor. After speaking to a male supervisor, he also offered minimal options and before the call was over he said to me that I should find gainful employment so that I could be able to pay back my student loans. As a consumer, that was totally unacceptable as he does not know my situation. Also, his tone was rude and he offered no real solution to ensure that my accounts remained in good standing. I have always paid my Navient loans and would consider myself a good borrower. After reviewing the Navient website, it offers Extended Repayment and Rate Modification/ Extended Repayment options for private loans but I was told i am not eligible for either. As the phone call continued and the more frustrated I became, I did state that I'm better off letting the account go into collections. According to the supervisor I spoke to, even though I stated I will still pay Navient what I can afford, the supervisor stated I would still go into collections then default. How am I able to go into default if I still would be making payments but I just am unable to pay the full amount? Navient does not offer any working solutions for a borrower like myself to effectively manage their student loans. Their company rather send you to collections and destroy your credit rather than to help you stay current. Currently, my Rate Reduction Program is extended until XX/XX/2019 but I want Navient to offer me a better long term solution to repaying my student loans such as the Extended Repayment for the life of the loan. Please help.
Consumer complaint received 2023-04-06
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. (WA)

Account name : XXXX XXXX XXXX Account number : XXXX Account type : XXXX XXXX Date opened : XX/XX/XXXX Status : Collection account. {$450.00} past due as of XX/XX/XXXX. Status updated : XX/XX/XXXX Balance : {$450.00} Balance updated : XXXX XXXXhis is an inaccurate credit reporting that I don't recognize. I filed a dispute with XXXX, XXXX, and TransUnion. But for whatever reason it remained on my credit report. They haven't provided any information on how exactly they verified the debt.
Consumer complaint received 2023-04-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I checked my credit report and found that some of the data were incorrect. Transunion is required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 


XXXX XXXX XXXX Balance : {$3700.00}, XXXX XXXX XXXX Balance : {$3400.00}
Consumer complaint received 2023-04-06
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. (NJ)

Recently checked my credit report and noticed due to the XXXX data breach i have identity theft related accounts on my credit report that I did not create. This been going on for a longtime and its detrimental to my reputation that transunion continue to report these accounts.
Consumer complaint received 2023-01-31
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc. (CA)

hello I had an insurance policy with XXXX paid my last bill XX/XX/XXXX called in advance to cancel before my payment in XXXX, they said they would process it and there was no current debt owed because I called before my payment date and now months later I got a letter from collections saying there's debt. my mom called to dispute after my payment date to confirm and now there saying at that time there was a payment but that's past my date when I called ahead of time. that same week I got insured through another company ass well
Consumer complaint received 2019-10-02
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. (CA)

I am filing this report because today XX/XX/19 I found out that my personal information was used to open several accounts without my authorization. I have no idea who stole my information or how he/she got a hold of it but I have already filed a police report regarding these unauthorized accounts. I did not participate in any purchases, transactions or payments towards any of these accounts nor did I benefit anything from them being open in my name. I have no relationship with any of the companies I have listed and I never gave them permission to run or access my credit report nor personal information.
Consumer complaint received 2023-04-06
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. (MA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-03-30
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 with the Fair Credit Reporting Act, XXXX XXXX XXXX  Account # XXXX has violated my rights.

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

15 U.S.C 1681 section 602A section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-03-08
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: U.S. BANCORP (VA)

US Bank allowed 3 charges to be made by XXXX XXXX XXXX in the amount of {$62.00} each for a contract that was not renewed. In addition the charges were made on an expired credit card. I contacted the bank and sent them proof these were unauthorized charges but they refuse to remove the charges. In addition they have now charged me an additional {$29.00} as a late payment charge for not paying the fraudulent charges.
Consumer complaint received 2022-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CT)

Be advised this is not a refusal to pay, but notice that XXXX XXXX claim is disputed, and validation is requested. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe XXXX XXXX. 

NOT who you have been paid by a third party. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. ex I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you ( XXXX XXXX ). Please validate that this debt belongs to me and please also show me the original contract. 

I will require 30 days to investigate this information and during such time all collection activity must cease and desist. If your offices fail to respond to the validation request 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file. 
Creditor
Consumer complaint received 2019-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (DE)

As of XX/XX/2019, my credit score was XXXX. On XX/XX/XXXX my credit score dropped by 12 points  which made my score XXXX. I could not find any explanation on the Experian website explaining the drastic 12 points drop. I called Experian and I spoke to 4 different people and none of them could explain the 12 points drop. The positive and negative information on my credit report has been on my reports for over 4 months. I have not incurred and new credit, debts or anything that would make my score drop by 12 points. Can you please help me with this issue because I truly understand what it means to have a credit score. Thank you, kindly XXXX XXXX
Consumer complaint received 2022-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I, consumer XXXX have tried numerous times to request that company Capital One XXXX stop reporting late payments to my consumer reports without my consent for XX/XX/2019. The company Capital One is in clear violation of the law, under 15 USC 1681b permissible purpose of a consumer report, THE LAW CLREARLY STATE : ( a ) In general Subject to subsection, 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. I never gave the company Capital One the written instructions to furnish this on my consumer reports. Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( 1 ) under the exclusions from a consumer credit report clearly states : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; This is the last attempt to get this resolved outside of court with the company Capital One and I plan to explore remedy minimum of {$1000.00} for each violation to name a few below. Defamation of character Negligent establishment of identity fraud Fair Debt Collection Practice Act 15 USC Violation Fair Debt Collection Practice Act 15USC 1681 Violation for willful noncompliance civil liability, USC 1681n
Consumer complaint received 2019-05-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (CA)

Midland Funding levied by bank account with XXXX XXXX XXXX for over {$5900.00} which was all the money I had to live on as a retired and XXXX Veteran. They claimed that they bought a " discharged '' debt originally owed by XXXX XXXX XXXX who charged off the debt in XX/XX/XXXX and received a tax credit from IRS ( {$4000.00} ) and then sold this old discharged debt to Midland Funding in XX/XX/XXXX for pennies. Midland Funding filed a civil suit and never serve me and got a default judgment in XX/XX/XXXX. Now 5 years later they secured a Writ to levy my account which they have and now I do not have any money to live on. 
I contact Midland Funding and spoke to XXXX XXXX at XXXX who was very rude and said she didnt care about my situation and said that I needed to pay them the full balance of {$13000.00} or they would come to my house to collect the money. I told them I didnt remember having any credit account with XXXX XXXX XXXX but she didnt care and in fact said that is my problem and didnt have any information about the type of debt it was. XXXX XXXX XXXX will not release back my money without Midland Funding authorizing so I can not my mortgage or buy food or medication I need for my XXXX.
Consumer complaint received 2019-05-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc. (IL)

On XX/XX/XXXX, received from a debt collector that I owed {$1200.00} to XXXX XXXX my credit score dropped over 200 points. When I call the Credit Management ( XXXX ) they said I had to call XXXX who instructed me to fill over 10 pages they would not give any information. Then I was told to call their Fraud Department XXXX where there was a difficult language issue. Finally, if I could prove who I was they would work me. They send me to send a picture ID or State Id. 

My Question is since my Credit report is frozen how did XXXX allow someone to open an Account in my name. I was a victim of ID theft in the year XXXX. 

On XX/XX/XXXX, I receive from XXXX sincerely apologizes for any inconvenience this the matter caused me. My question how do I know this will not happen again in the future and can I trust XXXX when my personal information. I think they should provide solutions
Consumer complaint received 2022-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (PA)

New Complaint Experian has locked me put of my open accounts because of me reporting them and the law states consumer is supposed to be able to access there credit scores with ease i also paid for membership and still nothing form that site, I am XXXX  Very Bad, Experian is hurting me causing damages where as i am moving this month and can not let them check my credit due to experian dropping my score drastically. It has cause headaches and pain not to mention XXXX knowing, my chances are next to none now because of experian. I've did some of my own research and found on public law this is Identity Theft, As I Search Public Law 18 USC 1028a that is Aggravated identity theft, I do not consent to Experian Furnishing, Housing or producing my personal Information. I did not give written consent for Experian to do so. As I Search Public Law 15 U.S. Code USC 1681b - Permissible purposes of consumer reports ( a ) In general 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. All Codes Public Law