davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CA)

I have made multiple requests to FedLoan and XXXX to receive a refund for payments made on my student loans during the XXXX forbearance period. I submitted my first request on XX/XX/XXXX to FedLoans with no reply. 

I contacted FedLoans again on XX/XX/XXXX and received a reply on XX/XX/XXXX requesting the exact payment dates and the exact amounts from you for the request to be submitted. I replied on XX/XX/XXXX with the following information : " HI XXXX, Here are the payments that I would like refunded : XX/XX/XXXX -- {$1300.00} XX/XX/XXXX -- {$1300.00} XX/XX/XXXX -- {$1300.00} XX/XX/XXXX -- {$1300.00} XX/XX/XXXX -- {$1300.00} XX/XX/XXXX -- {$1300.00} XX/XX/XXXX -- {$1300.00} XXXX/XXXX/XXXX -- {$210.00} XX/XX/XXXX -- {$1000.00} XX/XX/XXXX -- {$1800.00} XX/XX/XXXX -- {$1800.00} XX/XX/XXXX -- {$1800.00} XX/XX/XXXX -- {$1800.00} XX/XX/XXXX -- {$1800.00} XX/XX/XXXX -- {$1300.00} XX/XX/XXXX -- {$1300.00} XX/XX/XXXX -- {$1300.00} XX/XX/XXXX -- {$1300.00} TOTAL : {$24000.00} '' On XX/XX/XXXX I received this reply from FedLoan : " Thank you for contacting FedLoan Servicing! 

A request was submitted to refund your payments from XX/XX/XXXX through XX/XX/XXXX. It can take anywhere from 2 weeks to 2 months for the refund to be received, which depends on the XXXX XXXX XXXX XXXX. 

Please use the " Contact Us '' link through your online account at XXXX to submit inquiries via a secure email form. You may also call us toll-free at XXXX to reach our Customer Service Department XXXX which is open Monday through Friday, XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX. 

Sincerely, XXXX '' On XX/XX/XXXX I contacted FedLoans : " Hello, I would like to check the status of my refund initially requested XX/XX/XXXX. I received a reply and sent the exact dates and payments on XX/XX/XXXX. My loans will be transferring from FedLoan to XXXX on or about XX/XX/XXXX. I would like to receive the refund before they transfer to XXXX to avoid any confusion. I was told it would take anywhere from 2 weeks to 2 months to receive my refund, I have been waiting 3 months. Thank you for your time! 

XXXX XXXX '' I have not received a response as of today, XX/XX/XXXX. It has been 8 months since my initial request, and 2.5 months since FedLoan informed me it should take 2 weeks to 2 months to receive my refund. I have also messaged FedLoan on XXXX XXXX XXXX to request information. They said they would have a representative call me but I never received a call. 

Thank you for your time, XXXX XXXX
Consumer complaint received 2022-08-03
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Blackhawk Network Holdings Inc. (FL)

On XX/XX/XXXX filed a written CARDHOLDER DISPUTE FORM with issuer for an unauthorized transaction in the amount of {$1.00}. Thereafter on XX/XX/XXXX, issuer responded saying that I will be refunded by mail with a new gift card in the amount of dispute. It is now nearly one month later and I still do not have the refund/new card. The case # is XXXX
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I have contact these companies several times since XXXX XXXX,2021. I have sent in identification to prove my identity and let these companies know these accounts are not mines. I have no knowledge of these accounts. It has been over 60 days since I have notified these companies and I have not gotten an answer!!! These account remain on my credit file diminishing my character. This is against my consumer rights. 
I have file police reports and sent all documents in to the creditors and the credit bureaus. 

The following accounts are in fact fraudulent identity theft accounts, I have no knowledge of the following accounts on my personal files, and they shall be removed immediately : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no knowledge of the following addresses listed on my credit files, I have also reported theses addresses to The XXXX XXXX XXXX Department, and Federal Commissions Trade Report : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Florida XXXX XXXX XXXX XXXX, Florida XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2022-08-12
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. (AL)

I contacted Equifax on XX/XX/XXXX and they would not take my dispute over the phone instead they told me I had to mail it in. That is False. I did mail my dispute in as instructed by Equifax even though they were supposed to take my dispute over the phone.I, the American consumer am alarmed at recent news reporting that Equifax provided inaccurate credit scores for potentially millions of consumers to numerous financial institutions relating to my credit applications. The report quotes one Equifax executive, who said, Initial analysis indicates that only a small number of them may have received a different credit decision, and the CEO saying, The impact is going to be quite small, not something thats meaningful to Equifax. Equifaxs latest egregious abuse of consumers and its leaderships teams efforts to downplay the harm is yet another example of harm caused by what is quickly becoming a recidivist bad actor, and I urge you to use the full extent of your authority to hold Equifax and its leadership accountable. This incident comes five years after Equifax announced one of the largest data breaches in the history of our country, exposing the personal information of more than 147 million individuals, including myself. These numbers are false, these errors have affected everybody including me. 

Furthermore, you the CFPB took another enforcement action against Equifax in XXXX for violating several consumer financial protection laws for deceiving consumers about the value of the credit scores they sold, deceiving consumers into enrolling in subscription programs, and engaging in illegal advertising practices. They are still violating several CFPB laws. 
Based on Equifaxs initial actions in response to this matter, I am deeply concerned that I, the harmed consumer will be promptly identified, notified, or even made whole? Moreover, Equifaxs repeated violations of law that have also resulted in I, the consumer harm warrant a more robust enforcement action, instead of the typical regulatory fine that amounts to the cost of doing business. I demand that Equifax deletes these accounts from my consumer credit report and never furnishes this information again.
Consumer complaint received 2022-04-19
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: HYUNDAI CAPITAL AMERICA (GA)

Hyunday stilll contact me because I am late on payment since cov19 I been try to pay them. This morning I spoke with a person that say my payment are return in specific for the month of XXXX, I just verify me statement for XXXX and its was done for the amount of XXXX on XXXX I request a skip month because my work change as a promise I summit to Partial payments on XX/XX/2022, even if I dont have to pay that month in agreement with the extension l. Last payment its was effect for the amount of XXXX for XXXX and XXXX. Next payment on XXXX. They still say that I am late. This the reason my complaint they dont even provide a email to show them the payment for XXXX.
Consumer complaint received 2022-10-15
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: ALLIANT CREDIT UNION (TX)

This company denied me a right to get a auto loan due to the improper and inaccurate information reporting on my consumer report. This company took adverse action against me denying me a right. How can you deny a consumer something when I am the one extending my credit to them, This is a violation of the Gramm Leach Bliley Act, because they are invading my privacy. 15 USC 6802 and 15 USC 1611 false and inaccurate information willingly and knowingly. 

The information provided on my consumer report is damaging my reputation.
Consumer complaint received 2022-04-19
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: Affirm Holdings, Inc (FL)

After logging into my XXXX account I noticed an unautorized charge from Affirm Inc. on my account showing an unpaid balance of {$1500.00} with a past due amount of {$280.00}.

The Affirm Inc. account number, according to the XXXX website is XXXX which, according to their website, was opened XX/XX/2022. I called Affirm Inc. and they have no record of me, my phone number, or the loan number.
Consumer complaint received 2022-10-15
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. (GA)

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. 

XXXX XXXX  : account number XXXX, XXXX  : account XXXX XXXX, XXXX XXXX XXXXXXXX : XXXX, XXXX XXXX XXXX : account number XXXXXXXX XXXX/FED LOAN SERV : account number XXXX, XXXX XXXX XXXX : account number XXXX, XXXX XXXX XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX XXXX account number XXXX, 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 : 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 2022-04-19
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)

I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-03
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. (AL)

I checked my credit report XXXX of XXXX and seen this credit card account listed as a charge off. The account is showing the creditor as XXXX XXXX and a status of charge off. I have sent in letters to each credit bureau asking for proof or validation that account belongs to me. I have not received any of the documents I have asked for. I have pictures of my certified receipts as well as one of the many letters I have sent in asking for validity of the account. I have no knowledge of this account belonging to me.
Consumer complaint received 2022-08-12
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: CITIBANK, N.A. (WA)

On XX/XX/XXXX and XX/XX/XXXX charges were made on my Citi Bank Credit card, that I did not make or authorize. Citi contacted me via text message asking if charges were legitimate, I contacted Citi bank on XX/XX/XXXX and told them I did not make or authorize these charges. Charges were made at XXXX in XXXX XXXX, La and at XXXX Oh. I have never been in either State nor do I allow anyone to use my Credit Cards. My Identity was stolen in XXXX and I have had several fraudulent transactions attempted in my name, including a SBA Covid Disaster loan. The Credit Card Co is saying I made the charges and wants me to pay the bill. I am getting notices that the bill is past due. I have called the Citi Bank at Least 12 times and this issue is not resolved.
Consumer complaint received 2021-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc (CA)

On XX/XX/XXXX, XXXX ran my annual background check, checkr returned the report with a consider because theyre reporting that a ticket on my dmv report is listed as a reckless driving/negligent driving/inattentive driving offense. The violation code listed is 22106, the code is correct, their definition or description is wrong however. 22106 is unsafe stopping or backing on a highway. In multiple emails with supporting documents to show their information is incorrect, they have not fixed this issue and as a result Ive lost my ability to drive with XXXX because they believe I have a charge of reckless driving when I do not. Ive provided checkr the court summary and hard copy ticket which clearly state the correct definition for cvc 22106, and that the offense is only an infraction. No person from checkr has responded to my emails or called me, and they have just rerun their inaccurate report which isnt coming from the dmv. Ive contacted the dmv and the courts and theyve confirmed they are not reporting what checkr is stating. What is simply a clerical error has now become a major issue as any background check run by checkr makes it look like I have a misdemeanor driving offense that doesnt exist and would disqualify me from transportation minded jobs.
Consumer complaint received 2022-08-13
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)

Im sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumerthat the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance : {$650.00}, XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$210.00} XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$2800.00}, 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 XXXXXX/XX/XXXX,
Consumer complaint received 2022-04-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (NY)

XXXX XXXX XXXX Complaint filed with Consumer Finance as advised by CITIBANK fraud department for the deliberate erasing of transactions by CITIBANK workers. Fraud Department stated CEO has to be made aware of CitiBank workers illegal actions. 
Workers changed voice tone on calls. 
Issued XXXX XXXX Refund missing from my account transactions history and daily transactions are erased. The account holder has to continuously call CitiBank to correct the error and update account information. 
Workers call account RECORD. 
" Do you want to see your RECORD? I am not doing all this time! '' XXXX. XXXX XXXX Spoke with representative XXXX whom acknowledged social security and pin in accessing and managing CitiBank account online. XXXX stated that his " higher supports '' would UPDATE my account to reflect the missing/erased refund transaction from XXXX XXXX in the amount of {$150.00} and {$19.00}. It should take " half hour to an hour, '' said XXXX " I can see the transactions in my computer -- try deleting the app and reinstalling it then you may be able to see the updates! '' XXXX XXXX  XXXX XXXX 's 'higher supports ' have yet to update transaction history. 
Federal Refund has yet to be credited to my CitiBank account. 
My account updates and history erasures are manually completed by CITIBANK workers as per CitiBank Fraud Department ; XXXX XXXX XXXXXXXX stated " XXXX XXXX '' XXXX XXXX word for territory expansion. 
XXXX XXXX  Placed on hold with CITIBANK. Young girl in background with XXXX  accent stated " I am just letting you know we are not busy... we just choose to have you wait! '' XXXX. XXXX XXXX Representative stated it has to update into the account. That they do not know when it would be updated. We do not want to see " green '' on your account history. Thus representative stated speaking with a XXXX under tone in XXXX and XXXX " it might be a glitch on the account we might have you wait 24 hours -- -he is a XXXX! '' XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FORD MOTOR CREDIT CO. (FL)

FORD MOTOR CREDIT re-aging charge off. Date of original delinquency was XX/XX/XXXX. Subsequent delinquency dates were updated to XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX
Consumer complaint received 2019-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (PA)

On late afternoon XX/XX/XXXX I checked my XXXX XXXX and saw that my credit dropped with Credit Bureau XXXX down 6 points? My credit is excellent and stays even and climbs on occasion. Investigating, I found the explanation, " Between XX/XX/XXXX and XX/XX/XXXX, an inquiry made by SYNCB/PPC was added to your credit report. '' Finding out the inquiry was PayPal Credit , Synchrony Bank, I realized I was subject more likely to identity theft/fraud then a mistake. The reason is I have had no dealings ever with PayPal, and have no idea why PayPal might have pulled my credit report. This happens to many people I see on Identity Theft forums with hard pull from SYNCB/PPC on XXXX. On XX/XX/XXXX, I spoke with XXXX  and said the hard pull was on XX/XX/XXXX. They told me to contact with SYNCB/PPC immediately and explain someone applied for a PayPal Credit Card under your identity and if it got approved it needs to be cancelled immediately. She then said I can Freeze your XXXX  account. I agreed and went through the process with her. The way she handled everything was as if it has happened many times when I mentioned the name. I called PayPal Credit and I spoke to a gentleman from the NC office of Synchrony Bank. He was helpful. I told him that someone applied for a PayPal Credit Card and if it did get approved it has to be cancelled. When he asked for my SS # I refused. I didn't even give him my last four of the SS #. He did get my address. He said this will take some time to pull it up with minimum info. After some time on hold, he came back and said this was the case. It was approved and we cancelled the account right now. I'm happy I was able to resolve this quickly, before a person with no conscious can start charging up on me? He gave me a confirmation key code and explained I will be receiving a confirmation letter in the mail 7-10 days. I need this written document in my hands to feel reassured. Again, the way the gentleman was handling the situation seemed as if he does this all of the time. No complaint! 

I was a SS # that was suspected as stolen in the XXXX XXXX   breech. Always when a breech happens usually the stolen SS # 's stay low and come out a couple of years later. Ever since then I have been looking at XXXX XXXX every 2 weeks. I'm very cynical and suspect of how information is being handled in our technological dark age. You work hard, live right and contribute to society to make it better and yet, large corporations who have all your personal information and livelihood XXXX up and you are the one who has to get out of the financial disaster they created. And the sad thing, you can't even opt out. I mean no freeze! Opt out completely for hard inquiries ... the three credit bureaus not having that information!
Consumer complaint received 2021-08-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc. (AL)

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 2021-05-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bliksum, LLC (VA)

The loan is for {$6000.00} the interest rate is I believe over 139 % apr. I received my first statement and made my payment via my checking on time. It is a monthly payment of {$380.00}. I need clarification on the date and final payoff amount. I was having issues with not being employed due to XXXX XXXX and actually lost a member of my family. I feel as if I was being taken advantage of during a very emotional time. Any advice would be helpful.