davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-22
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. (VA)

This is a complaint against timeshare XXXX. I have requested verification of an account that is reporting on my credit. The creditor has refused to provide any information. This willful neglect has not only caused much financial hardship, but is also a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance or obtain new lines of credit. I've been requesting for validation but had no responses. Our rights under Fair Credit Billing Act of 1974 is not being followed. There is improper billing, my financial information has been shared without my permission, and my rights are being violated. I want this account to be closed or validated. They're willfully neglecting the verifications to purposely cause harm and stress. I have disputed this account for validity it is not been verified & they continue to attempt to take money out of my account and threaten me with legal action which they are willfully not following the law and violating my rights under the fair credit reporting act. I feel I'm being profiled and neglected by these conglomerates for they only demand payment with no evidence of the right to collect. I need assistance in this matter and these companies should be penalized for violating federal law.
Consumer complaint received 2020-11-15
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 (MI)

About XX/XX/2017 my purse was stolen while I was in XXXX XXXX XXXX  XXXX. I had several charges made on different accounts. I called every credit card that I had cards with to explain the situation. At least 2 of them already had a charge that was the same amount and from the same establishment. US Bank at first refunded my money but later said I told them I had the card in my possession. I had a poor phone connection when I called them but they will not allow me to listen to the call to hear for myself. I know I would not have knowingly said I had the card when in fact I was calling them to let them know it was stolen. 

They did provide me with a receipt with a signature that isn't mine.Someone obviously copied it from the credit card they stole. 

Next they charged me for this amount again. It is {$1300.00} usd. 

I contacted an attorney after speaking with them on multiple occassions. We were not getting anywhere and they were not willing to speak with me any more. The attorney sent a letter which received no response. 

Attachments - Letter from attorney. My application of fraud. Copy of the Presentment. 

I do not beleive that I should be held accountable to pay this amount.
Consumer complaint received 2020-07-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (FL)

I received a negative reporting from this company. I disputed this debt in XXXX from another collections company. The CFPB reference number is XXXX. I spoke with the XXXX XXXX company and was able to get more details. The cable account was opened at family members residence with out my consent. Ive never reside at the house and authorize service and never signed any contract for that service agreement. After filing the dispute with CFPB in XXXX and advising the original creditor the account was not mine and I never authorize the account to be opened. The collection company removed the negative account from my credit reports. 
On XX/XX/XXXX a new collection company SEQUIUM ASSET SOLUTIONS trying to collect on the same debt. 
The company has never sent me any written notification. Ive called and was transferred to several people. I tried to explain the details above and was advised to just pay the debt. 
This just appeared on my credit again and this is unethical and wrong, I'm asking for this to be removed from my credit .There trying collect a debt again that's not mine and never was authorized and was never able to provide some kind of contract agreement that I authorized. Im a victim of a family member opening an account with out my authorization at their residence .This was explained to XXXX XXXX . The account was removed and Im Requesting for it to removed again.
Consumer complaint received 2018-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

on XX/XX/2018 I went to community credit union to get a loan to purchase my leased vehicle from XXXX XXXX. the loan officer called XXXX to inquire as to the payoff amount she ran my credit and they approved the payoff amount XXXX gave her ( my credit score was XXXX ) she contacted XXXX for a hard copy of the payoff before she could issue a check of which they sent via fax dated XX/XX/2018 my banker cut a check for the amount of {$22000.00} and mailed it to XXXX dated XX/XX/2018 XXXX received the check XX/XX/2018 and deposited it XX/XX/2018. As far as the bank and I knew the truck was paid for but the bank never received the title about 2 months later we started checking and XXXX was claiming I owed them more money for a payment in XX/XX/18 and XX/XX/18 we could not understand they said they had sent the wrong payoff amount that it should have been {$23000.00} and that they could not apply the check we sent to my account because it was incorrect they had already turned me into the credit bureau as late on payments it was all there mistake and they fined me for late payments at this time all I wanted to do is pay them and get my credit fixed so my bank sent them a check for the difference but now my credit score is XXXX because of there mistake + {$1500.00} in fines and penalties I had to pay.
Consumer complaint received 2023-01-11
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. (GA)

I have look through my credit report and notice a lot of identity theft and fraud on my credit report I have sent letters certified mail ask each of them to validate all of these keep sending me receipts and they need to collect a debit which is not the original creditors the original creditors is sharing my info with alot of debt XXXX without my permissible purpose. I even got a return to sender mail back to me which is inaccurate information reporting also. So yes alot of debt XXXX are doing illegal activities.
Consumer complaint received 2020-10-26
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America had credited my account {$18000.00} which was temporary while they investigated the unauthorized use of my XXXX debit card. Upon their completion of the investigation I received a letter from BofA that stated the Temporary Credit had now been made permanent.

Everything was good with my XXXX debit card until XXXX did a system update which caused my XXXX debit card account to temporary close for 48 hrs. Once the account and card were reopened my account of Negative. I contacted XXXX and was told on their end my account is fine and they dont see any negative balance, so i was told to contact XXXX XXXX because it was something on there end. I finally got ahold of the XXXX A claims department and was told that because of XXXX temporary closing my account that it triggered something in their system to pull that credit that was made permanent back out of my account and thats why the account is now negative. I was told that I would need to file a claim and that within in 10 business days my account would be fixed. This was on XX/XX/2020. 10 business days pass and still my account is negative and I have no access to any of my funds that were on the card and any new deposits being made from XXXX to my account either. So I called BofA claims department again and this time I was told that I needed to file an escladed claim and to wait another week, I have done that and my account still is not fixed and I still have no access to any money.
Consumer complaint received 2018-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have been having issues with the information on my credit report. 
My only address XXXX XXXX XXXX, XXXX, OH XXXX. 
My Current Employer is XXXX Please delete/remove this following address, I do not live at XXXX XXXX XXXX, XXXX, OH XXXX The following number are not mines please delete/remove ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (VA)

My account with this company was never authorized with my express written or verbal consent to report any adverse information in relation to credit card with them. Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization I, the consumer, may have given you written, unwritten, verbal and non-verbal per 15 USC 6802 to report any adverse information in relation to my account. That includes balance information and missed payments. Please also see this code for the penalties associated with not respecting my request to opt out of the reporting of adverse information. Please also refer to 20 USC 1232g ( b ) on student rights pertaining to privacy. the reporting of my balance and payment information relevant to my student loan accounts is a violation of my privacy which I did not authorize.
Consumer complaint received 2022-08-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (FL)

Support was disrespectful and you can even hear her snickering as she tells me false information. XXXX, case number XXXX. Tried telling me that a service I have been using for almost 2 years was NEVER available. That can not be true. She then tried to explain some non-technical communication between the bank and the third party. saying XXXX such as " it using security questions and not a one-time code ''. Let 's pretend she didn't just pretend to know something she clearly doesn't, let 's pretend I believe her XXXX. How is she the ONLY person in PNC that knows anything? and when I asked for a supervisor, she snickered and said she doesn't have one and that she is the supervisor. This is insulting. If she doesn't want to do her job or take it seropusly, why do I have to pay the price? This is my finances, MY LIFE and this employee did nothing but lie to me and snicker. UNACCEPTABLE. Attorney General complaint is to follow. XXXX they record for " Quality '' assurance
Consumer complaint received 2021-09-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Bureaus, Inc. (NV)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2020-10-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FULTON FINANCIAL CORPORATION (VA)

Mortgage Loan Number : XXXX - XXXX and XXXX XXXX. 

My husband and I obtained a Construction Permanent loan that converted into a Permanent loan earlier this year with Fulton Bank, N.A, XXXX XXXX XXXX, XXXX XXXX, PA XXXX, XXXX. 

I contacted them on their XXXX phone line the first week of XXXX and informed them that I believe that the Escrow/Tax/ and payment information that they are reporting to me on my monthly statement is incorrect. I make large curtailments each month, and I am concerned that in addition to the possible errors with my escrow accounts, the payments are being applied incorrectly. I requested a payment history for the entire year, since the inception of my loan, and also requested that they perform an Escrow Analysis and send these to me within 2 weeks. I am not sure that the gentleman that I spoke with XXXX XXXX XXXX fully understood my request based upon some of the things that he was saying about how a loan amortizes, etc. ; however, he assured me that Fulton Bank would send me the requested documentation. 

Yesterday, we received an Amortization schedule in the mail from Fulton Bank starting with the Payment Date of XX/XX/2020, which is next month. This is obviously not the historical payment history that I requested starting with the inception of my loan, that would provide me with how Fulton Bank has been applying my payments. The document they mailed me is actually a " future payment history '' looking document that includes an additional principal amount of {$200.00} each month being paid, which is very confusing to me, as they have no idea how much additional principal that I plan to pay each month. 

We are concerned that approximately {$2500.00} is missing from our escrows, and that Fulton Bank has misapplied our my payments. The most recent statement that we have received in the mail shows us that we are due for the XXXX payment in the amount of {$0.00} dollars. I have not pre-paid my mortgage.
Consumer complaint received 2017-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (NY)

I signed up for equifax 's trustedid product. I went through the steps to active my account and then their website froze without me completing. I went back in to continue to process and the website said an account already exists and to call XXXX. I called that number. The first time I was told I would be transferred to the person to help me and was hung up. I called back and this time was told that there was nothing they could do at that number and I would have to call another number and they could not transfer me. I was given a new number to call XXXX which just rings busy. 

So now, I have an account activated with my personal information on a site that freezes and fails that I ca n't access. I ca n't get in touch with anyone to fix it and I am not sure where to go. 

I have attached a print out of the website giving me the direction to call XXXX. After calling and sitting on hold for XXXX minutes twice, I was told two different things by the reps and neither solved my problem.
Consumer complaint received 2023-01-21
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. (AR)

My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Please remove the following items off of my Credit File as soon as possible : 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 Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} JXXXX XXXX Balance Owed : {$1100.00} 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 XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. Under the Fair Credit Reporting Acy section 605b, you are expected to remove the disputed items since these items resulted due to identity theft. I am requesting that you comply with the law and remove the disputed items as soon as possible.
Consumer complaint received 2022-08-12
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. (OH)

In accordance with the Fair Credit Reporting Act, the following are in violation of personal consumer rights : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX First, 15 U.S.C 1681 Section 602 A : guarantees a right to privacy. 

Second, 15 U.S.C 1681 Section 604 A, Section 2 : Does not allow a consumer reporting agency to report account information ( without permission ). 

Moreover, to correct credit reporting agency records, in the removal of inaccurate and non-updated information, XXXX such requests were made to Experian and XXXX. However, with less than a three-day response, these credit reporting agencies claim to have completed a due-diligent investigative effort. In the interim, Experian and XXXX continue to furnish and display unsubstantiated account details -- without permission. 

Furthermore, Experian continues to list ( as primary ) an incorrect version of my legal name. Additionally, to allow for legal dispute, the credit reporting agencies fail to identify complete ( and accurate ) account numbers.
Consumer complaint received 2020-11-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: EQUIFAX, INC. (KY)

On XX/XX/2020, EQUIFAX MORTGAGE SOL add a hard inquiries on my credit reports per XXXX, Equifax and XXXX. 
On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On AXX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XXXX.
Consumer complaint received 2023-01-11
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. (FL)

15 U.S. CODE 6801. PROTECTION OF NONPUBLIC PERSONAL INFORMATION.I have NEVER GAVE XXXX XXXX XXXX EXPRESSED WRITEN PERMISSION TO COLLECT AND SHARE MY DATA, AND UNDER FALSE PRETENSES. DUE TO THE INFRINGEMENT AND BREACH OF MY RIGHT XXXX PRIVACY AND TO BE SAFE WITHIN MY PAPERS ACCORINDING TOTHE FOURTH AMENDMENT. THERE IS NO PERMISSIBLE PURPOSE PURSUANT TO 15 USC 1681, MY NON PUBLIC PERSONAL INFORMATION IS NOT TO BE SHARED BY EXPERIAN ALSO AS A THRID PARTY AFFILIATE. ANY INFORMATION OBTAINED AND WITHOUT MY AUTHORIZATION MUST BE DELETED OR BLOCKED. THE OBLIGATION HAS BE RELIEVED. CEASE AND DESIST ALL MEANS OF COLLECTIONS OF A DEBT. THE SELLING OF MY DATA FROM XXXX MANAGEMENT TO EXPERIAN IS AGGREGATED ID THEFT OVERALL. ANY INFO REPORTING FROM XXXX IS TO BLOCKED AND REMOVED PURSUANT TO FCRA, FDCPA AND FEDERAL LAW STATES HEREIN.15 U.S. Code 1681c2 - Block of information resulting from identity theft.
Consumer complaint received 2021-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was looking at my credit report on XX/XX/2021 and notice I have unknown items on my credit report that I have no knowledge of, I have never done any consumer transaction with these businesses, my other problem is how can you let these companies furnish you with untrue, unproven and misinformation on my credit report without you notifying me that these items were going to appearing on my report, I have not given consent or authorized to do any consumer transaction with me. So I did further research and find out I was impacted by the XXXX data breach I have sent you a letter and you have not responded back to me yet!!!!!
Consumer complaint received 2019-05-15
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TD BANK US HOLDING COMPANY (NY)

As per written contract TD Auto has 10 business days after paying off the loan in full to send request to remove lien to NYS DMV. It has not been done and numerous customer services and supervisor XXXX XXXX said they dont know when it will be done and they dont follow written contracts.
Consumer complaint received 2019-05-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (FL)

I have a consolidated loan which is currently in " repayment '' status with FedLoan Servicing. The consolidated loan consists of two loans which were consolidated in XX/XX/XXXX. Both loans began with zero payments made to each after they were consolidated. I joined FedLoan 's Public Service Loan Forgiveness program in XX/XX/XXXX.

With each bill I received, the qualifying payments for each loan in the consolidation were both the same, naturally. However, from XX/XX/XXXX to XX/XX/XXXX, a discrepancy in the number of qualifying payments ( I have attached copies of statements for both months ). In XX/XX/XXXX both loans in the consolidation showed as 19 payments for each. Then in XX/XX/XXXX, one showed as 16 payments while the other showed as 22 payments.

I contacted FedLoan as soon as I received the statement for XX/XX/XXXX and asked about this discrepancy. Not surprisingly, the customer service representative could not figure out the discrepancy either and put in a request to have it investigated. every 2 to 3 months I would call in to get a status on the investigation, only to be told that they are " still working on it. '' My last attempt at trying to get this resolved was XX/XX/XXXX. I was told again that they were " still working on it. '' I have attached a copy of this communication along with their response. After many attempts at trying to get this resolved over the past year and a half, I am reaching out to your organization for help. Please advise me on what can be done about this.

Your help is greatly appreciated!

Sincerely, XXXX XXXX
Consumer complaint received 2022-10-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

Please help me! Paypal is robbing me for {$2800.00}!!! 
I have created a paypal fundraiser to receive donations in order to finance my studies! 
at first I could withdraw small amounts and then all the sudden Paypal froze my account for 180 days! this period has passed and still I can not access my funds! 
Please help me I need my funds urgently!