davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-02
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. (IN)

In according with the Fair Credit Report Act XXXX XXXX XXXX account number XXXX, has violated my rights. 

15 .U.S.C 1681 section 206 A. States I have the right to privacy.

15 U.S.C 1681 section 604. A section 2 : It States a consumer Reporting can not Furnish an account without a written description.
Consumer complaint received 2022-09-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (FL)

On Wednesday, XX/XX/XXXXXXXX XXXX, I contacted Edfinancial immediately after receiving the news of Bidens Loan Forgiveness. I saw on the XXXX XXXX XXXX website that we were able to request a refund on payments made throughout the payment pause that started in XXXX. I went ahead and asked them to do that but was immediately taken aback when they notified me that the processing times would be a minimum of 150 days. I was a pell grant recipient and am therefore eligible for 20k in forgiveness. Throughout the pandemic I paid almost $ 10k in payments. 

It seems as though Edfinancial is the ONLY student loan provider who is quoting these ridiculous wait times. XXXX, XXXX XXXX, aidvantage are only quoting 3-8 weeks turnaround time and those that I know with those loan providers are already seeing their loans reflected on their account. Whats worrying to me is that the application for forgiveness starts in XXXX and Edfinancial wont be processing any of these in time for us to receive forgiveness. They stated that our loan balances wont be reinstated until the refund is processed which wont be until XXXX at the earliest for them. The interest rates and payments will resume again in XXXX. 

They told me on the phone that they can not send out confirmation emails or anything to prove that they indeed did send in our request. I realize with the influx of calls that getting our money back could take a while but its very concerning to me that theyre saying this entire process can take 6 months to a year when every single other student loan provider has a way quicker turnaround despite having thousands of requests as well. Currently, getting that money back would be life-changing for me as well as many others. So seeing other peoples loan providers reinstating their balance after requesting it just 36-72 hours later makes me very concerned that this company does not have our best interests at heart. 

To top it all off, my personal data ( SSN, name, etc. ) was leaked by them on XX/XX/XXXX and it took them an entire month to alert me.
Consumer complaint received 2024-03-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (MN)

I was trying to buy a puppy from XXXX and put a deposit down. I had XXXX linked ro my bank through my online banking app with us bank. I used my XXXX to make a deposit for a puppy. They sent me a text message about a transaction on my card that could be fruad and it aaked me to verify. I thought they were talking about XXXX transaction so i had said yes it was me. The next day I had charges on my account that were unauthorized. Ones from XXXX, XXXX XXXX, etc. I had called about it and was told that my account was being closed and got hung up on. I had then went in to my closest branch to pull the money out and was told they could not do that because of the account closer. I told them that the transactions were unauthorized and so they started a dispute that was about 2 months ago. I went back into the same branch and asked why my account wasn't closed and why I couldn't take any money out. Two of the deposits that were made before all of this were my son 's SSI from social security that I also can't take out. No explanation.
Consumer complaint received 2022-09-02
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)

XXXX has three collections accounts for XXXX XXXX. XXXX has no collections accounts for XXXX XXXX. In addition, one of XXXX Collections Accounts is for the same account dollar amount and with the same original company being owed {$63.00}. This is obviously a duplicate account. 

Collection account is for XXXX XXXX, 2017 from XXXX XXXX for {$63.00}. Second collection account for XXXX XXXX is for exactly the same amount of {$63.00} and filed one year after original collection was entered into XXXX system. Obviously a duplicate derogatory account and this is not allowed under federal and state laws. In addition for the same time period, there are no collections activities for XXXX XXXX for the last 7 years. All credit reporting agencies need to report the same collection activties and in this case, the lack of any collections per XXXX for XXXX XXXX- please see attached proof of no collections activities for XXXX XXXX at XXXX.
Consumer complaint received 2022-09-02
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. (NY)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the XXXX and TransUnion credit bureaus XXXX XXXX, XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. XXXX XXXX XXXX. XXXX Date Opened XX/XX/XXXX Balance {$17000.00}, XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance {$21000.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$150.00}, XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$110.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$2200.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$17000.00}, XXXX  XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$3800.00}, and XXXX  XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$160.00}.
Consumer complaint received 2023-01-26
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. (FL)

XXXX XXXX XX/XX/2019 XXXX {$5600.00} This is a fraudulently opened account that was previously deleted and now re-appearing back on my Equifax
Consumer complaint received 2021-04-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (PA)

I was charged overdraft fee twice for {$36.00} each on XX/XX/XXXX and XX/XX/XXXX for insufficent fund. I was never opted in overdraft when I signed up for the checking account. Once I found out that I had a negative balance on XX/XX/XXXX and I immediately pushed money into my U.S. bank checking account and the balance became positive on XX/XX/XXXX pending final clearance on XXXX. Then I called and spoke with the U.S. Bank representatives for requesting to waive the fees because not only I did not opt in overdraft but also it was my first time for being charge overdraft fee. Both representatives said they cant refund the fees because my refund limit is {$6.00}?! I questioned why there was a refund limit in my account and they said it was based on my activities which dont make any sense to me. I had a recent direct deposit of {$3000.00} from my work. Also, for example, if I used my debit card to buy something over {$6.00} and decided to return it, I would have only got a maximum of {$6.00} back?! Both representatives refused to increase the limit and said the fees can not be refunded. That is very disappointing. I would like U.S. to refund the fee to me.
Consumer complaint received 2022-04-06
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: EQUIFAX, INC. (TX)

Hi, My name is XXXX XXXX please see all enclosed documentation that all 3 bureaus failed to respond to and on. Enclosed is FTC complaints and reports regarding delinquent accounts posted to my credit report along with no response that has been included within 30 days.
Consumer complaint received 2021-02-15
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Specialized Loan Servicing Holdings LLC (FL)

Hello The company who is involved is Specialized Loan Services I spoke with an associate back in XX/XX/XXXX XXXX XXXX XXXX ID XXXX ) and they told me that they will correct my credit report since I was under the law CARE act ( forbearance ). 

I m trying to contact over the phone, but is very difficult to reach an associate, I dedicated more than 1 months of this and finally I get a response from another associate back in XX/XX/XXXX, her name was XXXX and she told me that I need to open a new investigation about the error on my credit reports of late payments and wait for other 30 days ( until XX/XX/XXXX XXXX and after that credit report would be update, that they will correct all the error of all missed payment or default payment on my credit report ( for both borrower XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ( wife ) ) because I was in forbearance under the CARE law ( covid 19 ) and also in modification process, apparently someone press the wrong button and send all the payments that was part of the forberance and they marked like default on my credit report, so they will take care of this but they prefer to do it after the modification process was done ( XX/XX/XXXX XXXX. 
Until today XX/XX/XXXX they never call me or send me email with a new status, I try to reach them by email and phone and they never respond ( last week XX/XX/XXXX I finally reach someone from credit dpt and they told me that they will send an letter by mail, with the decision, but nothing happen yet and I still have all the derogatory on my credit report ). I never miss a payment on my mortgage and the only time that happens was under the protection of the law CARE act ( forbearance ). 

I need answers from this mortgage service company, since I have all those defaults on my credit, I m loosing other business opportunities and to do other type of deals in my personal life and is not fair that because their mistakes, I also stop to receive other considerations from creditors. My credit need to be fix as soon as possible, so please help me with this situation. 

Thanks
Consumer complaint received 2019-09-17
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: First Investors Servicing Corporation, Atlanta, GA Branch (AZ)

Whom it may concern I was involved in an accident in 2016 and my car was stolen and was a reported as Complete loss my insurance issued them a check and I thought the issue was resolved First investors then reported to my credit I owed XXXX I then contacted them to find balance was owed and I told them I had no idea I then confronted them about the reporting and they basically said tough luck so I went to the XXXX XXXX XXXX and then received an email from first investors promising to remove the negative account. I have been fighting with this company for years. Please provide documentation or proof of my signature showing that I knew of the remaining balance previous to them reporting it. If documents can not be provided please remove if not I will be seeking legal assistance in this matter as its affecting my life I can not purchase anything
Consumer complaint received 2022-09-02
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: PENTAGON FEDERAL CREDIT UNION (NV)

To Whom it May Concern, I got a credit report and I think it's wrong. I was told I have a right to have a investigation done. Credit reporting laws ensure the bureaus only report 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information, therefore, needs to be re-investigated. Please make sure everything pertaining to my credit report is correct. Remove the late payments and correctly report the payments on my credit file. 

Please provide me with the following items : *Pay off disclosure *Interest rate disclosure *Balance History *Payment history *Credit Insurance Validate Account targeted Pentagon Federal Platinum Rewards Account Number xxxx xxxx xxxx XXXX I respectfully ask for you guys to provide some kind of proof of these alleged items, specificially the contract, note, or other instrument bearing my signature. 
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 
I also heard that under federal law, you have thirty ( 30 ) to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15  ) days of the completion of your investigation. 

I sent Penfed a Cease and Desist in XX/XX/2022 and they have ignored it and continued to contact me. Which is a clear violation of FCRA, FTC, CFPB and state attorneys office. It is a violation of 1000 per incident charge,
Consumer complaint received 2022-09-02
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. (NY)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the Experian and XXXX credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. XXXX XXXX XXXX. XXXX Date Opened XX/XX/XXXX Balance {$17000.00}, XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance {$21000.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$150.00}, XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$110.00}, XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$2200.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$17000.00}, XXXX  XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$3800.00}, and XXXX  XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$160.00}.
Consumer complaint received 2022-09-02
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: Experian Information Solutions Inc. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : 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 2022-03-06
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: EQUIFAX, INC. (UT)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2022-03-06
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: Experian Information Solutions Inc. (UT)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2019-09-17
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: Bread Financial Holdings, Inc. (TX)

In XX/XX/2017 I was extremely ill and was not able to work. I took advantage of enrolling my existing comenity accounts into the hardship program as I was told that my payments would be made, I would not accrue any late charges, or 30 day late marks. The information given to me by the Comenity bank representative was inaccurate as I suffered 30day late credit marks on my accounts. Specifically on the accounts of Comenity XXXX Account in XX/XX/2017 was reported 30days delinquent, Comenity XXXX XXXX in XX/XX/2017, Comenity Victoria 's Secret in XX/XX/2017, and Comenity XXXX XXXX in XX/XX/XXXX which is now closed due to their company going bankrupt. I have written letters and made numerous calls to have the information removed however the buck is constantly passed and Comenity bank is not righting their wrong by removing the 30 day credit marks.
Consumer complaint received 2019-02-01
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GB Collects, LLC (CA)

I started receiving phone calls from GB Collects stating I owed a debt from XXXX XXXX in an amount of XXXX which was not true after that phone call I received a letter to answer to the debt and I did so I sent them a certified letter asking them to send me a contract with all complete documents and my signature On XX/XX/2018 which they fail to do so I sent them a letter stating this According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on my credit report. Otherwise, fraudulent account. That is reported company will be talking to court you have 30 days from the date listed above to send contract in full are I will see you in court I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts. Your failure to positively verify the accounts has hurt my ability to obtain credit. the company sent me document of my name on somebody else bank account I really don, t think that is okay and action need to be taken on GB Collects
Consumer complaint received 2019-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (FL)

Account has a ) balance, howver it's being reported as a " charge-off '', that's incorrect. It was paid via credit consolidation, as " paid for less than owed/settled '' The payment status should be corrected to that.
Consumer complaint received 2019-01-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NY)

On Saturday XX/XX/XXXX I attempted to purchase digital gift cards from PayPal using my PayPal account balance. I attempted to purchase several gift card sets and received the following error message : " Sorry, we can't complete this purchase at this time. Please return to merchant and choose another way to pay. '' It took three emails and two phone conversations to determine that PayPal is arbitrarily blocking my payments and won't provide any insight as to why or how to remedy the situation. I can only describe this level of service as terrible. PayPal can not provide any insight in to why the transactions are being blocked. They offer no remedy or potential solution other than to try again in 2 hours or 24 hours and it might work but there is no guarantee that it will work within that time frame ( or ever ).
Consumer complaint received 2019-02-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Specified Credit Association, Inc. (CA)

XX/XX/XXXX I received a letter from Specified Credit Association , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX, Phone XXXX XXXX XXXX Referencing a balanced owed of : {$140.00} Ref : XXXX  XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I never signed up for a membership at XXXX XXXX. 

I went to XXXX XXXX and found out that the XXXX XXXX Staff allowed someone else to sign up for a membership in my name as a gift and sign my name for me. 

The contract on their computer shows someone else 's name for the back account information for payment and my first name signed with a finger signature pad - NOT MY SIGNATURE. 

I never signed a contract, I never signed up, I never stepped foot in the gym prior to trying to resolve this problem. 

The problem began when XXXX XXXX Committed Fraud by allowing their employee to willfully allow someone else to sign my name on the contract. As a result, their bullying collection agency calls and says " How can you work out without a contract '' ... These guys are on an autopilot scan. 

Someone else to signed my name to begin an illegal contract. 

If the person that signed me up was told " the new member needs to come in and sign '' and I went in and signed they would have a valid contract. 

When employee could have signed my name for all I know. 

Specified Credit Continues to call me like it is the first time they are trying to collect on this debt. 

I ask them to quite harassing me and they hang up me. 

Specified Credit Associations Inc. has called me : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Today, XX/XX/XXXX, I explained, again, I do not have a gym membership. 

How can I have a membership without a signed contract? 

I asked them to quite harassing me and they told me to " What my mouth '' and hung up on me.