davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (MD)

My original federal student loan servicer was XXXX XXXX and I continued payments during the XXXX loan payment pause that began in XX/XX/XXXX. My loans were transferred to XXXX in XX/XX/XXXX after I applied for the XXXX XXXX XXXX XXXX ( PSLF ) program. I requested a refund of all of the payments made during the loan payment pause via an online form on the XXXX website on XX/XX/XXXX. My loans were transferred to MOHELA on XX/XX/XXXX after XXXX ended federal loan servicing. I requested a status update from XXXX on XX/XX/XXXX ; however, I received no updates. I called MOHELA on XX/XX/XXXX to check the status of my refund request ; however, I was unable to reach a customer service representative after being on hold for over an hour. I called MOHELA on XX/XX/XXXX to check the status of my refund and I was on hold for XXXX and a half hours. The customer service representative informed me there was no record of the refund request I previously made with XXXX, so I made another request for my student loan payments. The customer service representative informed me I would receive my refund in approximately 60 days ( did not specify business days ). It is XX/XX/XXXX ( XXXX business days later or XXXX calendar days later ) and I have not received any updates or my refund. I have been patient due to the rapid changes and high call volumes ; however, it has now been over XXXX months since I originally submitted my refund request to XXXX. It is extremely difficult to speak to a customer service representative due to the XXXX hour wait times, automatic hang-ups, and the automated phone tree. I understand the State of Missouri is challenging the Biden-Harris Administrations Student Debt Relief Plan that claims it will cause MOHELA financial XXXX. The absolute lack of updates, unacceptably slow processing times, and inability to speak with MOHELA customer service suggests MOHELA is failing to provide service to borrowers and is instead acting in the interest of the State. Due to the awful response, I will also be submitting a complaint to the Department of Education.
Consumer complaint received 2023-01-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

To whom it may concern - I had financial difficulties in XXXX and XXXX and had a credit card with XXXX Credit Card. I had never been late on this credit card and over the XXXX years of having the account. 

I had never had a late pay or XXXX late pay on my credit. During the months of XXXX and XXXX my family had XXXX and lost a family member and we had burial expenses. 

I contacted XXXX and informed them that I would be paying off my balance of XXXX in which I did and in agreement that they would remove any XXXX late for XXXX and XXXX. Once I paid the XXXX giving my account is XXXX balance XXXX fraudulently closed my account and lied to me and put a XXXX late for XXXX and a XXXX late for XXXX showing me XXXX days late on this credit card account. 

I contacted them numerous times trying to request them to their agreement of good faith that they would remove these late fees from my credit report even if the account stayed closed. I was not concerned about the account being closed my concerns were they lied to me after me paying them XXXX and paying the account off in full. 

XXXX lied to me as a consumer and I feel that they should be exposed and show how they treat their customers that have been good paying customers always paying their accounts on time and then treating them negatively bye not doing as they said by removing the XXXX to XXXX day late for XXXX and XXXX. They did not hold up to their end of the bargain and closed my account. I feel scammed as a consumer and I have read numerous reports online about this company doing the same to them.
Consumer complaint received 2023-01-13
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. (TX)

XX/XX/2023 EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, XXXX  XXXX RE : Account # XXXX XXXX XXXX Alleged Amount Owe : {$5600.00}, Account Name : XXXX Alleged Amount Owed {$3200.00} Account Name : XXXX XXXX XXXX  Alleged Amount Owed {$1000.00} 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.

15 U.S.C 1681 section 602 A. States I have 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 the information. Any other adverse item of information other than records of convictions of crime which antedates the report by more than 7 years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information related to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

After removing the inaccurate information from my credit report, please send me a credit report update in 15 days from date of letter. 


Respectfully, Thanks Account Name : XXXX  XXXX Alleged Amount {$5600.00} Account Name : XXXX Alleged Amount Owed {$3200.00} Account Name : XXXX XXXX XXXX  Alleged Amount Owed {$1000.00}
Consumer complaint received 2023-01-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-01-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : XXXX XXXXXXXX XXXXXXXX Balance Owed : XXXX XXXX XXXX XXXXXXXX Balance Owed : XXXX XXXXXXXX XXXX Balance Owed : XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TRUIST FINANCIAL CORPORATION (FL)

AT THE BEGINNING OF XXXX, I GOT A STATEMENT FROM MY CREDIT CARD THAT I BELIEVE IS WRONG. I PROB CALLED ABOUT XXXX TIMES, ASKING FOR A SUPERVISOR. AT ONE POINT I DID GET XXXX SUPERVISOR, WHO STATED, I HAD TO PAY THE BILL, I STATED IT IS WRONG SO WE WENT OVER THE NUMBERS TOGETHER, AND SHE STATED, SHE WAS GETTING FRAZZLED AND GOING ON VACATION AND HAD TO CLOSE AT XXXX XXXX SO SHE WOULD RESUBMIT IT TO THE ACCOUNTING TEAM THIS WAS OVER A MONTH AGO. SHE STATED I WOULD HEAR BACK IN XXXX HOURS. AGAIN I CALLED AND CALLED NUMEROUS TIMES, WITH NO RESPONSE AT ALL I WROTE THE BANK XXXX LETTERS ASKING FOR HELP, I AM TRYING TO FIGURE OUT WHERE MY CACULATIONS WENT WRONG AS I DO NOT BELIEVE I OWE AS MUCH AS I DO, AND I PAID A LOT TO COVER THIS. I HAVE NOT PAID MY BILL IN FULL AS I CAN'T STAND THE STRESS, AND ALSO WAS IN THE XXXX WITH XXXX XXXX XXXX, THE LAST TIME I SPOKE TO AN EMPLOYEE, AND WE WENT OVER THE NUMBERS VERY FAST, AND I AGREED, BUT THEN I DID IT AGAIN AND I KEEP COMING UP WITH THE SAME NUMBERS THAT I DO NOT OWE AS MUCH AS THEY SAY. TODAY I CALLED AND SAID AGAIN I WANT A SUPERVISOR FOR THE XXXX TIME, AGAIN THEY TOLD ME THE SAME THING THEY WOULD ESCALATE THIS, I DO NOT THINK ANY ONE WILL EVER REPOND, I WANT THEM TO TELL ME EXACTLY HOW I OWE AS MUCH AS I DO B/C THE NUMBERS TO DO ADD UP TO MAKE MATTERS MORE CONFUSING THEY PUT OVER XXXX BACK IN MY BANK BUT REALLY DID NOT SO THAT IS TOTALLY CONFUSING. I NEED HELP GETTING THEM TO ANSWER ME AT THIS POINT RIGHT OR WRONG I NEED TO UNDERSTAND WHY THEY THINK I OWE AS MUCH AS I DO WHEN I DO NOT IN MY MIND AND MY CACULATIONS, IF I AM OFF I ALREADY PAID, BUT I AM NOT HAPPY AS I FEEL ITS STILL WRONG AND WANT THEM TO GO OVER IT WITH ME WITH A SUPERVISOR NOT JUST AN EMPLOYEE RUSHING ME THANK YOU DATES STARTED ABOUT XX/XX/15 I HAVE WRITTEN THEM XXXX LETTERS ALREADY WITH TRACKING TO SHOW THEY GOT THIS. I HAVE CALLED ABOUT XXXX TIMES. I FEEL I OWE AT THIS POINT XXXX CENTS YET THEY HAD ME PAY XXXX AGAIN I NEED THEM TO GO OVER THE FEE NOT WITH JUST AN EMPLOYEE BUT WITH ME AND A SUPERVIOR OR THE ACCOUNTING TEAM LIKE THEY PROMISED THIS IS GOING ON WAY TO LONG. IT CLEARLY STATES ON MY STATMENT TO WRITE TO THEM AND I DID XXXX INCLUDING EVERYTHING THEY ASKED, AGAIN I AM NOT A MATH PERSON, BUT I CAN USE A CACULATOR, AND THEY NEED TO REPOND WITH A HIGHER UP PERSON NOT JUST AN EMPLOYEE THAT WAS RUSHING ME TO FIGURE THIS OUT THANK YOU
Consumer complaint received 2020-04-01
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. (IL)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there are several inquiries on my name. I have not given anyone the authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. 

XXXX XXXX {$1000.00} COLLECTIONS XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX  XXXX XXXX {$360.00} XXXX XXXX XXXX {$15000.00}
Consumer complaint received 2023-01-13
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. (GA)

In accordance with the Fair Credit Reporting Act, CXXXX XXXX XXXX XXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose The following account listed below were paid on time. Please correct and forward to me an undated copy of my credit report. Your prompt attention in this matter is greatly appreciated
Consumer complaint received 2023-01-13
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)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-01-13
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. (FL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-01-13
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

Experian shows a 120 day missed payment for XXXX when the month only has 31 day for XXXX XXXX. Experian continues to allow XXXX XXXX XXXX to report my account as having a delinquency when the account is XXXX Protected. The account report shows a status of past due for 180 days late and a past due amount of {$6800.00} which is not true and should be XXXX protected on a forward going basis per their legal agreement to me in writing from their legal department this agreement is on a forward going basis and is a legal document. The account was never late but shows missed payments. XXXX XXXX agreed to keep my account in XXXX protected.
Consumer complaint received 2023-01-13
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I RECENTLY RECEIVED A REJECTION LETTER FROM BANK OF AMERICA TO OPENING A NEW ACCOUNT. I DID NOT APPLY FOR AN ACCOUNT AT THAT BANK. IT WAS EITHER IDENTITY THEFT OR OUTRIGHT FRAUD.. I WOULD LIKE TO PRESS CHARGES ON THE INDIVIDUAL WHO ATTEMPTED TO OPEN AN ACCOUNT UNDER MY NAME WITHOUT MY CONSENT.
Consumer complaint received 2023-01-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (OR)

Hello, XXXX XXXX, my PayPal account can not be linked to the bank and withdraw cash. I have contacted the PayPal customer service representative many times and the problem has not been resolved. Please help me, thank you
Consumer complaint received 2023-01-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NV)

On XX/XX/XXXX my bank informed me that they were closing my accounts. I had just received two deposits two days before. I had several ach withdrawals which they let go through until the XXXX. I contacted them at least three times trying to get my funds withdrawn. I have three direct deposits going to that account. I'm a retired XXXX XXXX veteran. I've been associated with this bank since XXXX On the XXXX I was transferred to the complaints department and explained my situation. I told the rep XXXX XXXX ) that I just got out the hospital and had an XXXX due my XXXX. Told them this was a medical emergency. She said that the complaint was forwarded to another department and they would contact me in 24-48 hours. I called again at the 54 hour mark and they said that my case was pending. The biggest issue with this is they claim not to be doing business with me but they still have my account on " deposit only ''. My deposits keep going into the account ( {$11000.00} ). They said my account is closed and have give me 69 days before they can send my funds. Totally unacceptable. I have contact the Texas Attorney General 's complaint department and they sent a letter but it seems that they will not engage USAA.
Consumer complaint received 2023-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-01-13
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX  Balance Owed : {$270.00}
Consumer complaint received 2023-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # 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 2023-01-13
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. (TN)

On ( XX/XX/ ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-01-13
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX  XXXX Balance : {$370.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00}