davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-29
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: EQUIFAX, INC. (MS)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-13
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: AMERICA FIRST FEDERAL CREDIT UNION (MN)

I opened an account with America First Credit Union, This account funded my XXXX account.They closed my account without my knowledge. The bank said they closed it with a notarized letter. They said it was closed in 2018 after my address change. I did not authorize. I have a letter of that but, I am holding it for my personal records. I did not notarize a letter to close my acccount. When I called them all my questions had been changed to XXXX information, My address was changed without my knowledge. My funds have been drained. 
My identity has been stolen, I have contacted the FBI and made a report to the local police they did not want to take the information. I spoke with XXXX XXXX XXXX and opened an investigation and he has never gotten back to me, When I opened my account with America First Credit Union with about XXXX, Then I funded my Cuso account with it. 

My XXXX account was worked with with XXXX XXXX and now has been taken by XXXX XXXX. When I looked at XXXX account I see that I am losing thousands of dollars within the past few months. 

I have an attorney doing an investigation on what happened with my funds. XXXX XXXX and has sent an inquiry to investigate it. 

I am in the process of a hellacious divorce with a person who's name was all switched over to their information. I need help. He is an IT tech and had access to all my information. When he came back to visit the kids he had a social security card and passport and other personal information. I do not know if he is responsible but, it is possible. He is in the military active guard reserves. Last address I knew was in XXXX Oklahoma stationed in XXXX XXXX. 

Please help me get my funds back and my identity. 

Thank you, XXXX XXXX
Consumer complaint received 2022-05-13
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. (LA)

In accordance with the fair credit reporting act Experian, XXXX, XXXX, has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the 15 U.S.C 1681 section a states I have the right to privacy. 
Delete these addresses they do not belong to me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NC XXXX ( XXXX ) XXXX Re : XXXX XXXX Bank of America My name is XXXX XXXX. I am a current secured card member with a {$1000.00} limit. I have been continuously up to date and on time with my payments and account management. 
I wish to convert my card account to an unsecured Credit Card and receive a refund of the initial deposit of {$1000.00}. 
However, it has not been an easy feat with interacting with your customer service representatives or your impossible AI phone tree system. Your service is open of the most terrible in XXXX. Right up there with XXXX XXXX! 
I have been hung up on, lied to, cursed out among many things. Its amazing that your calls are not recorded. 
I want to know if you value me as a customer since I have maintained and exceptionally groomed my account to the best of my ability. 
Please assist me and let me know what I need to do in order to move my card to an unsecured account successfully. 
Looking forward to hearing from you. 

XXXX XXXX
Consumer complaint received 2022-05-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XXXX22 I sent a letter regarding the unknown on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being extremely taken advantage of since my disputes have been ignored. Section 611 a plainly stated that failure to investigate these items within 30 days will result in immediately removing those items from my credit report. It has now been over 60 days so they should be deleted promptly or I will have to file litigation due to the stress and harm youve caused me. My information has been impacted by the XXXX data breach and may have gotten into the hands of the wrong people.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (NY)

I am writing to formally report what I firmly believe to be multiple violations of the U.S. Fair Credit Reporting Act because the CRAs failed to validate the status with the lender.

Recently, I obtained copies of my credit report from the XXXX major credit reporting agencies, namely XXXX, Equifax, and XXXX. Upon a thorough review, I uncovered several discrepancies and inaccuracies which, in my understanding, are clear infringements of the FCRA. Specifically, on XX/XX/2023, I mailed an authentic document showing pertinent evidence to all three credit reporting agencies, urging them to rectify my account status to " paid in full as agreed. '' I am seeking your intervention now. 

Under the provisions of the FCRA, it is my contention that my accounts were not appropriately updated, as XXXX, Equifax, and XXXX failed to validate my account information, thus failing to accurately report my account status has cause my recent application to be denied, stipulations for approval of cash down payment of XXXX and continuous denials. 
I have been stressed and having XXXX XXXX XXXX and other XXXX XXXX I need your help as I have been ignored and subsequently been deleted from Equifax. 


Attached to this letter, you will find copies of my credit reports thoughtfully highlighted to illustrate these discrepancies. The adverse consequences of these inaccuracies have had a detrimental impact on my creditworthiness, and I must stress my overall financial well-being, giving rise to significant concern. 

I wish to emphasize that despite my diligent efforts, the inaccuracies persist unabated. As such, I firmly believe that these ongoing issues are unequivocally in violation of the FCRA. In light of this, I respectfully implore the CFPB to conduct a thorough investigation into these matters and subsequently take all necessary actions to rectify these inaccuracies that have profoundly affected my credit report. 

In addition to the copies of my credit reports provided, I also humbly request that you acknowledge receipt of this letter and furnish me with a reference number or case number for tracking purposes. I am confident that the CFPB will intervene and help me to reach a resolution to this urgent matter.
Consumer complaint received 2022-05-14
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. (MO)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request Experian/XXXX/XXXX  the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX  XXXX Balance : {$490.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$520.00}, XXXX  XXXX Balance : {$180.00}, XXXX XXXX Balance : {$10000.00}, XXXX XXXX XXXX Balance : {$390.00}, XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX ( Original Creditor : XXXX, XXXX XXXX XXXX XXXX ) XXXX Balance : {$200.00} Inaccurate Name XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX Inaccurate Address XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for accounts XXXX XXXX XXXX XXXX pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation. As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o. Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.
Consumer complaint received 2022-05-17
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: Experian Information Solutions Inc. (TX)

My Credit Profiles indicates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, all Debt Collection Companies, placed collections on my Credit Reports. However, I did not provide any written consent at all, not to mention the inaccuracy in the first place. I disputed through all three credit reporting agencies ( Experian, XXXX, and XXXX ) and the response came back confirmed. This is impossible because I have no knowledge of these accounts. Unfortunately, I have been a victim of numerous data breaches, credit companies included. According to the Fair Credit Reporting Act ( FCRA ), the consumer must receive notification of debt and an opportunity to dispute the debt before being added to any credit profile I never received it because it is false. Additionally, I did not give explicit or written consent to any of the above mention companies and for that matter, neither have I have heard of nor ever conducted any business with them. Furthermore, through the Consumer Financial Protection Bureau, these business matters have not been resolved ; Additionally, under 15 US Code 1681b - Permissible purposes, this is to be considered as identity theft. As a result of these inaccuracies my credit score has been deeply impacted making me seem as if I am not credible. I am uncertain why these companies are attempting to collect this erroneous debt. Kindly delete the collection account from all three credit bureaus ( Experian, XXXX, and XXXX ). 
Please remove these inaccuracies from all three credit bureaus immediately. second and third party credit reporting agencies are owned by all three credit reporting agencies. I feel this is why I am not getting any results, because they are asking themselves if I am me. This is totally unfair and illegal.
Consumer complaint received 2022-05-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Mullooly Jeffrey Rooney & Flynn (NY)

I have an outstanding debt with XXXXXXXX XXXX. I called to settle this debt in XX/XX/XXXX. I am not residing in the United States, have no current plans to return to the United States, and I have expressed this to the XXXX representative. During the call, a settlement amount was discussed. The XXXX representative assured that a letter would be sent to my mailing address for me to confirm the settlement amount, however, this never happened. 

I called XXXX back XX/XX/XXXX, to inquire about the letter. There was no explanation, and the settlement now " needed to be renegotiated ''. I reiterated that I was unable to pay the full balance, and that I was outside of the country. Due to me not having a job, or stable income, I decline a payment plan. I let the XXXX representative know that I was able to make a lump sum payment but a payment plan was unrealistic. A settlement was not reached and I was told the debt would be sent to a law firm. 

XX/XX/XXXX, I received confirmation that the debt was sent to a law firm : XXXX, XXXX, XXXX, XXXX. 

I contacted the law firm XX/XX/XXXX, I was told a letter was sent to my mailing address XX/XX/XXXX. This was never confirmed, I am not there to receive the mail personally and my family did not receive it. I mentioned that I wanted to settle this debt, explained my financial troubles and that I am living outside of the country. A settlement amount was offered that I had to decline. The law firm representative suggested that I get a job and call back when I can pay the amount offered. 

I spoke to another representative XX/XX/XXXX. I further stressed that I am living outside of the country on limited funds. I asked for a lower settlement amount, it was denied. I was told that all I could do was keep in contact ; I should call back. I explained that I am living in XXXX, offered my phone number and email address. The rep refused email communications. I was informed that a summons was sent to my mailing address XX/XX/XXXX. 

I called and spoke to a law firm representative XX/XX/XXXX. I stated that I still wanted to settle my outstanding debt. No change in the amount was offered. I was told that I am being sued and it was suggested I seek legal advice. I confirmed that a civil case docket exists and it was filed XX/XX/XXXX. 

I did seek legal advice, and I was encouraged to contact the CFPB.
Consumer complaint received 2024-11-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (LA)

I'm speaking of Mohela. I understand that there is currently a lot of confusing information regarding the government blocking certain types of repayment plans but the confusion mohela is adding to the mess is ridiculous. Months ago I began being emailed advising I was in forbearance. After an unreasonable amount of phone calls and inability to reach a person I finally found out that while the government is overseeing various things our loans are in administrative forbearance. No additional information came about and I've been checking my account regularly for the status. Imagine my surprise last month when I had a past due balance on my account of XXXX. I tried to get someone on the phone but it was pointless so I paid it. I also double checked to make sure i was still on auto draft, and I was... so there was no reason for any overdue amount. But what's really annoying is I got no notice of anything I had to pay. At any rate I paid it and emailed the company and I've heard nothing. Tonight I checked my account again and I was overdue XXXX. Again no idea for what. 

Over the past 3 weeks I've received emails every other day with my upcoming revised payment schedule. I have no clue why they keep making new revisions every few days and I've stopped even trying to call them. But I'm very worried because there's no way I can afford what's on any of these schedules. I've applied for various payment plans and have no idea what to do because you can't reach anyone to discuss it.

On top of all of this I'm a XXXX XXXX who is supposed to have their loans forgiven after 120 payments are made. The governmental issue isn't my fault and I've never been late because I'm on autopay, but now I have missed many months that should have counted in my favor.

I'm so tired of this. We're all so tired of this. We need help to understand what's going on. The XXXX  for mohela is terrifying. I'm actually afraid this company will ruin my credit and my hopes of loan forgiveness.
Consumer complaint received 2024-10-15
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (SC)

I have disputed this credit card account numerous times to no avail. They are fraudulently marking the account as delinquent due to payments being XXXX  days past due. I made a payment less than XXXX weeks ago on the XXXX of XXXX.
Consumer complaint received 2024-12-06
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (MA)

I have had this credit card since 2018 ( previously Sears and XXXX! ) for many years until Sears mastercard took over. I called a number of times as to why my monthly payments kept going up. I was informed that they 'allowed " me to go over my credit limit then tacked on a HIGHER rate. I asked why did your company do this? Well, to my SURPRISE my monthly payment ( XXXX ) went up quite a bit and the interest rate I am charged is 33 % WOW! I never heard of any interest rate this HIGH which is a RIP-OFF. One of the Worst company 's I ever dealt with after all these years as a senior citizen.
Consumer complaint received 2024-10-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC. (CA)

My account was restricted after I tried to transfer money to another account on XX/XX/XXXX. The account has XXXX XXXX  in it and is still pending review on XX/XX/XXXXXXXX XXXX XXXX
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (FL)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my XXXX XXXX. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Personal Information : FXXXX 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 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 2023-11-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

I was informed on XX/XX/2023, that my checking and savings accounts with JP Morgan Chase are closed. There is a remaining balance of {$27000.00} in my checking and {$1300.00} in my savings. They said it was because of suspicious activities but did not say which activity they flagged as suspicious nor give me any opportunity to explain. It has been two months, and there has been no investigation or communication with me regarding the issue. I also did not know when I could hear from them regarding the check. I will be happy to explain what each transaction is about, and I have been a customer with Chase for over ten years. I have been calling Chase every other week to check my account 's situation but have heard nothing back. This is my only bank account, and now I have to borrow money from friends and family to pay the mortgage and living expenses. It is very frustrating that they are closing my account for no reason, and I have no idea how long my money will be held.