davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

All 3 credit bureaus are reporting different and inaccurate information regarding these account in the attached file. It reporting different open dates for the loans and reporting that they are 120 days late on payments which is incorrect information. With the current loan forgiveness status, all federal loans payments have been extended according to the Trump ( former ) and Biden Student Loan Forgiveness. This information should not contain these current inaccurate information.
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: EQUIFAX, INC. (TN)

In accordance with fair credit reporting act XXXX 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 also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Waterfall Revenue Group (NJ)

I had a XXXX, 3rd or 4th time. My girlfriend got scared and called the ambulance. As I started snapping back from the disorientation the ambulance was pulling up and making me stand up, basically making me get into the ambulance. I said no and I didn't need it multiple times. They spoke as if I had no choice. So I took their 5 minuet ride to the XXXX. ( this was my 3rd or 4th one I knew there was nothing that the hospital could do so it was pointless to go. But they basically made me take the 5 minuet ride. didn't give me anything that I can remember because im not XXXX. So there really isn't anything to treat me for. And I never received any notice. Did not know I could dispute it. I spoke with them and they claimed " I signed for it '' with I don't remember. And they could not produce proof of my signature or anything when I called and asked. 

So basically they forced me to take a 5 minuet ride for no reason to the hospital. apparently " made me sign something '' that I do not remember at all sop I had to have been groggy and disoriented. And then failed to show me proof that I in fact signed Watever they're talking about. 

There's no way I would consciously pay XXXX for a non emergency ride to the ER for no reason. 
I was stabbed before and tried to drive myself to ER and refuse the ambulance ride .... 

Doesn't make any sense.
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. (AL)

In accordance with the Fair Credit Reporting act 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 2022-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CLGF Holdco 1, LLC (CA)

Recently reviewing my credit report, I noticed these accounts are still being reported inaccurately. I have sent them correspondence disputing this inaccurate information. GENESIS FS CARDSERVICES/MILESTONE XXXX  MASTERCARD/TBOM/MILESTONE has failed to provide me with a copy of any viable evidence, bearing my live signature. I have never done business with GENESIS FS CARDSERVICES/MILESTONE XXXX  MASTERCARD/XXXX/MILESTONE, nor have I signed any contracts with this company. As per FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does NOT constitute verification. It it is against Federal Law and State Law to report INCORRECT AND INACCURATE Information on a consumers Credit Report. I am requesting GENESIS FS CARDSERVICES/MILESTONE GOLD MASTERCARDXXXX/MILESTONE delete this entry immediately and provide me with a copy of the correspondence sent to the other Credit Bureaus XXXX, XXXX, and XXXX directing them to REMOVE this erroneous entry as well.
Consumer complaint received 2017-09-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (DC)

I am a XXXX XXXX working to repay my XXXX school loans via the Public Service Loan Forgiveness program. My DOE loan servicer, XXXX, doe n ot process my income updates each year for the REPAYE, income based repayment, timely. As a result, I am placed in forebarence each year for months, which prevents me from making a monthly payment towards my 120 payments needed. I have always filed months ahead of time, and each year it takes them 100+ days to process my request.
Also I was mislead about
which type of plan I shoudl be on. I have never missed a payment, yet I was never told that the payments for the first 18 months did not contribute towards PSLF. Those payments were 5-10x higher than my current IBR payments. I should get credit for these higher payments I already made towards my loan.
Consumer complaint received 2022-02-28
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Radius Global Solutions LLC (TN)

A long conversation my name is XXXX XXXX @ am a customer of XXXX XXXX XXXX  and I got scammed for {$5000.00} and Im on XXXX making it barely check to check and I just dont understand how Im gon na pay it back but if someone could give me a call XXXX XXXX XXXX and anytime thank you and please give me a call so we can come to some kind of understanding thank you have a blessed day I have five cats that I take care of they help with my XXXX  XXXX loneliness I cant give them away Ive had 7yrs family my car need XXXX  worth of work happened last year on my good days I could run people places to help make ends meet and the people that was helping me helping me here and there cant its a mess all over the world lord be with us amen
Consumer complaint received 2022-02-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (AZ)

I had fraud on my account in the amount of XXXX that was transferred in the middle of the night when I was in bed and my phone was XXXX  in on my nightstand on XX/XX/20. I immediately called them and filed a claim and they refused to give me my money back and they suspended my acct while it was being investigated. I have since then asked them several times to close my account and they refuse to close it. They have asked me to email over my driver 's license to verify my identity which I did and now they are asking me to email over bank statements to verify I own those accounts. I feel like this is sensitive information they do not need to see especially when all I am asking is to close the account that is in my name. I have been getting the run around from them and I am tired of dealing with it. Venmo does nothing to help protect their customers from fraud and does absolutely nothing when attempting to close the account so it does not continue to happen.
Consumer complaint received 2022-02-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

During the pandemic I called about XXXX times. I last spoke with a XXXX  from tneseeee who stated it was my pro open and she could only spend less than XXXX minutes talking. I was being charged for XXXX accounts thst I never HAD. I could not get thought into laystdtion Becuse I didnt have an account. I have had this claim not even XXXX XXXX but closed within a week, also I shamal BOA behaviors and not former plocies. I b XXXX XXXX XXXX for XXXX years and I have even filed with XXXX XXXXXXXX it with this XXXX scam. I dont have XXXX never did. Bank of America refused to review account they open and close it with NO findings of an XXXX count other than I didnt notice it sooner snd my fault.
Consumer complaint received 2020-02-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NY)

I have filed a protest with the original creditor, XXXX and ask them for evidence to substantiate the validity of the debt and then a party who claimed to be an assignee named LVNV Funding LLC refused to send me any information to either substantiate the debt or information that they are indeed the successor in interest to the alleged debt.
Consumer complaint received 2022-02-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I opened a XXXX XXXXXXXX secured card ending in XXXX. I lost the card and fraudulent charges were made on it. I tried disputing with XXXX XXXX but they charged off my account instead without refunding me my deposit. Portfolio recovery associates bought the account and now theyre holding me responsible for these fraudulent charges resulting in {$790.00}. I have this account removed already from my transunion report but the other credit reporting agencies still have this account on my credit report. The account number is XXXX. Ive disputed this account a year ago. Please help me remove this collections account from my credit report. Thank you!
Consumer complaint received 2022-02-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On XX/XX/2022, our office manager XXXX XXXX, came running to my desk stating she received a message that we were past due on our electricity bill from XXXX XXXX. She handed me a paper with the information to pay the bill with a reference number. I ask her to come back to my desk so I can make sure it gets paid correctly. So she called the agent back I signed into the company account but we didn't have XXXX bill pay through our company bank account. I opted to use my personal bank account and I'll just expense it. First they gave the email XXXX to pay but my XXXX  kept stalling. So XXXX XXXX asked for an additional number because it wasn't going through. XXXX then handed me the phone he gave me a number XXXX to use with reference number XXXX and to screenshot the image and send it to XXXX to confirm. I did, he says he's going to confirm with management and puts us on hold I give the phone back to XXXX XXXX. She comes back to me from the front desk and states, the electricity was included with the rent. and that they would process me the refund to give them my number and request a refund. So I did, but then they stated to put in the request line a dollar amount {$4000.00} it was their code. That's when I told XXXX XXXX to hang up the phone we just been scammed and I immediately called my Bank, Bank of America. Bank of America, took my information and stated they would have a decision within 10 business days. I called and received the message they haven't come to a conclusion yet and are investigating with the other party to try and retrieve my funds it could take up to 45 days, I received a letter in the mail stating unfortunately they were unable to approve my claim. That Bank of America completed the transfers according to the instructions I provided them and therefore no error occurred.
Consumer complaint received 2022-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OK)

I did not give permission, consent, authorization, to make a report nor did I benefit from the items listed on the report. On or about XX/XX/XXXX I called each agency, seeking to correct the report. I have sent in a complaint prior to instructing them on the items to remove ; Correcting the Name, address, phone number, occupation, open and closed accounts, inquiries. An adverse event happen, XXXX XXXX denied me my open-end account. I have instructed each agency, being subjects to the public the regulations state they must remove items from the report when they are being disputed, and they have not. that constitutes a form of identity theft. I have had a phone call confirmation stating that they did and they have not. Hindering delaying the pursuit of life liberty and happiness our monarch.
Consumer complaint received 2022-05-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: General Motors Financial Company, Inc. (CA)

I have new information to report NON-COMPLIANCE WITH THE TRUTH IN LENDING ACT ( TILA ) AND REGULATION Z NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT ( GM FINANCIAL ) may be in non-compliance with the Truth in Lending Act ( TILA ) and its implementing regulation ( Regulation Z ). 
On ( XX/XX/2020 ) consumer initiated a consumer credit transaction to obtain a ( vehicle ) for personal, family and household use. 
Upon recent review of the documents provided it has come to the consumers attention that ( GM FINANCIAL ) may be in violation of multiple provisions of TILA and Regulation Z. 
The total balance your company claims to be due is ( XXXX ) which varies from the amount of the finance charge. 
The finance charge in connection with any consumer credit transaction is the sum of all charges. It is also the cost of consumer credit in a dollar amount. 
Due to the inadvertent or accounting error consumer is requesting documentary evidence ( including but not limited to ) the following : Original consumer credit contract XXXX XXXX Assignments of all parties involved. 
Any XXXX filing and/or statements including any addendums. 
Books of account ( G.A.A.P ) related to consumer credit transaction and account ( XXXX ) Financial and corporate records Any other lawful or verifiable proof of claim money for loan originated from ( GM FINANCIAL ) business bank account or stock. 
( GM FINANCIAL ) upon receipt of this notice has 15 days to provide the requested documentary evidence and proof of claim. 
If ( GM FINANCIAL ) is unable to provide the requested documentary evidence and proof of claim I request ( GM FINANCIAL ) discharge account ( XXXX ), report account paid as agreed with no derogatory marks, remove any liens, send me my title and the XXXX. 
Furthermore, I was forced to make a cash payment ( down payment ) in a credit sale. There should be no cash in a credit sale. If ( GM FINANCIAL/XXXX XXXX XXXX ) wanted a down payment as a condition to the extension of credit it should have been included in the finance charge. 
I respectfully request a refund of my cash payment in the amount of ( {$3000.00} ) via money order or cashiers check sent to the location on file within 7 days upon receipt of this notice. 
By sending you this notice I do not waive any rights to take legal action or to demand arbitration for ( GM FINANCIALXXXX XXXX XXXX  ) past or future violations of the law. 
I pray in good faith we can resolve this matter with honesty and integrity. 
Thanks for your cooperation and compliance in advance. 
Sincerely, ( SURNAME : GIVEN NAME- ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) All NATURAL AND CONSUMER RIGHTS RESERVED. WITHOUT RECOURSE
Consumer complaint received 2022-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (GA)

All 3 credit bureaus are reporting different and inaccurate information regarding these account in the attached file. It reporting different open dates for the loans and reporting that they are 120 days late on payments which is incorrect information. With the current loan forgiveness status, all federal loans payments have been extended according to the Trump ( former ) and Biden Student Loan Forgiveness. This information should not contain these current inaccurate information.
Consumer complaint received 2022-02-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC (PA)

On XX/XX/XXXX I sent a certified letter to RADIUS GLOBAL SOLUTIONS to verify a debt that they claim is mine. According to USPS tracking, RADIUS GLOBAL SOLUTIONS received the letter XX/XX/XXXX. I am aware that they are allotted 30-60 days to review and respond to my letter of validation. I have not received a response from RADIUS GLOBAL SOLUTIONS. I sent a follow-up letter certified on XX/XX/XXXX. According to USPS tracking, RADIUS GLOBAL SOLUTIONS received the letter XX/XX/XXXX. In the follow up letter, I stated that RADIUS GLOBAL SOLUTIONS had 15 days to respond to my follow up letter. 15 days after receiving the letter is XX/XX/XXXX. I have not received a response from RADIUS GLOBAL SOLUTIONS as of today ( XX/XX/XXXX ). This is against my rights as a consumer.
Consumer complaint received 2022-02-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Initially I was able to check my credit report per once a day as described on their website, but because I have been disputing the accuracy of my credit reports, I believe they have shut me out from accessing it online because of this. They say that it is because items are in dispute, but items have been in dispute since XXXX and I was able tp access my reports for the last four months. I have not been able to access my credit report since late XXXX XXXX. I have had to use other credit monitoring reports to access my report with TransUnion.
Consumer complaint received 2019-07-08
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. (NC)

XX/XX/2013 while traveling at the XXXX XXXX XXXX XXXX my luggage and my purse were stolen from the airport. My purse contained my personal information and documents such as my driver license, social security card, bank cards, cell phone, and credit cards inside. The police were contacted at that time. I am now discovering fraudulent accounts on my credit report that were not opened by me.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

i have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to those customer 's nonpublic personal information. 

Type of Business Date of inquiry XXXX XXXX  XXXX XXXX XXXX XX/XX/2023 TransUnion XXXX XXXX  Auto Loans XX/XX/2023 TransUnion XXXX XXXX  XXXX XXXX XXXX, New XX/XX/2023 TransUnion XXXX Auto Financing XX/XX/2023 TransUnion XXXX XXXX Auto Dealers, New XX/XX/2023 TransUnion XXXXXXXX XXXX XXXX XXXXXX/XX/2023 TransUnion XXXX XXXX  Auto Financing XX/XX/2023 TransUnion XXXX Auto Financing XX/XX/2023 TransUnion XXXX XXXX XXXX XXXX XX/XX/2023 TransUnion is a financial institution by definition under that title.

please provide the consumer the accounts that these inquiries are connected to. With signed documentation and NO E-OSCAR VERICATION.

1681 section 604 ( a ) section 2 states that " In general subject to subsection ( c ) Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. 

The financial institution and the consumer XXXX and Transunion do not have my consent to furnish this information and they surely do not have my written consent. 

Any and all consent XXXX whether it be non-verbal, verbal, written, implied or otherwise revoked. 15 USC 6801 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a non affiliated third party unless- the consumer ( me ) is given an explanation of how the consumer can exercise that non disclosed option. They never informed me of my rights to exercise that nondisclosure option. Every consumer reporting agency shall maintain reasonable procedures ' designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681 ( b ) of this title. XXXX and Transunion are not maintaining reasonable procedures.

According to the Fair Credit Reporting ACT 1681 section 602 ( a ) states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and respect for the consumer right to privacy. Transunion and XXXX are consumer reporting agencies and I am the consumer. 

see attachments for identification
Consumer complaint received 2022-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Thank you for taking the time to read this. 

I had an account opened over 5 years ago ending in XXXX and another one I had around the same time. This account was for about $ XXXX the other one about {$350.00} which I closed because I was just using this account. 

I am an XXXX best seller the name is dolce crafts you can find me there and see what I sell, my season its usually XXXX to XXXX, where I will buy everything I need in my credit card and pay right away, I have the cash but I use the card for security. 

I did that for 2020 and the year before, my card is used usually to the maximum but I pay right away too. 

I opened a checking account with XXXXXXXX XXXX  account and I send the payment to capital one which kept being taken away from my account and returned by capital one. They did this three times and closed my account for fraudulent activity. I spoke to both banks XXXX told me they have the money and didnt know why the capital one returned it. 

I called the bank and they just basically told me that my account was closed for fraudulent activity, with no explanation at all and nothing I could do. I was a customer for over 5 years and because of this they just closed my account. My account is in $ XXXX because it got paid before being closed. 

Than I opened a new account because I needed a credit card, this week they did the same so I tried to open a checking account and they denied it for the same reason. I was trying to just have checking account with them but I guess because of the same reason now I cant and now Im fed up. Because I havent done anything other then paying in time like I will be able to show you in the attachments. 

I think this is a really bad way of doing business. 
Attached is also my 1099T from XXXX