davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (WA)

On XX/XX/2023 a relative called in to payoff the value of my loan. Payment was pending/posted and then marked as reversed with 0 notification to me. 

Have called 3 times and waited an hour on hold to get 0 information.
Consumer complaint received 2023-10-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, I was charged two separate charges for XXXX dollars each saying I had purchased something, the transaction showed up the next day, I talked to my manager the same day they said they had no clue about the charges. The next day I dispute the charges with my bank, Chase on XX/XX/XXXX. They gave me a credit refund for the charge and cancelled my card. Today XX/XX/XXXX I the credit refund was reversed. I called my bank to ask why and they said because the chip had been used no further explanation just the chip had been used I never gave anybody my card to use and two charges were there.
Consumer complaint received 2023-10-19
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. (DC)

My alarm system XXXX, charged my bank account in error for equipment that was already paid causing my mortgage payment to bounce from my account. I told XXXX XXXX Mortgage about what happened and was told I would not be penalized and no adverse reporting to the credit bureau would take place. I told them when I would make the payments this month as I was waiting for XXXX  to refund thousands of dollars from the error that was made. Ive never been late and I believed the XXXX XXXX Mortgage representative. I have a top secret security clearance for work and negative credit reporting isnt allowed. XXXX XXXX Mortgage reported the mortgage as late, my score plummeted and Im at risk at work for disciplinary action as a result of the negative mark on my credit report. By the XXXX two full payments will be made to XXXX XXXX Mortgage ( one has already been completed ). XXXX XXXX Mortgage can schedule the payment if they want assurance. XXXX XXXX Mortgage knows this isnt my fault yet Im being penalized because of a terrible error from XXXX.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

I have attempted to dispute inaccuracies on my credit report from XXXX, XXXX and Equifax. There are several accounts that do not belong to me and I have contacted the bureaus by phone and mail regarding the accounts in question. The buraeaus have failed to provide the information requested to prove the accounts belong to me.
Consumer complaint received 2023-10-18
Product: Credit reporting 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. 


Account Name : XXXX XXXX XXXXnt Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. StateXXXX 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 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Inquiry : XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX Inquiry : XXXX Inquiry : XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States that 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 an account without my written instrusctions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer repoting agency may make any consumer report containing any of the following items of informatoion or any other adverse item of information, other than records of convitions 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX i did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2023-10-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (TX)

I contacted the debt collector company and XXXX  XXXX to state this acct XXXX opened on XX/XX/2023 from the debt buyer with a total {$1800.00} past due as of XX/XX/2023. This charge was identity theft and they will not remove it. Theese are the companies below that it was reported to. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Compliance Department XXXX  XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

Experian has released sealed information to third parties that legally have no rights to view it being that the Case is Sealed in California, that is a violation of State Law, federal, and the FCRA, Criminal Penalties Any officer or employee of an agency, who by virtue of his employment or official position, has possession of, or access to, agency records which contain individually identifiable information the disclosure of which is prohibited by this section or by rules or regulations established there under, and who knowing that disclosure of the specific material is so prohibited, willfully discloses the material in any manner to any person or agency not entitled to receive it, shall be guilty of a misdemeanor and fined not more than {$5000.00}. 5 U.S.C. 552a ( i ) ( 1 ). 

Any officer or employee of any agency who willfully maintains a system of records without meeting the notice requirements of subsection ( e ) ( 4 ) of this section shall be guilty of a misdemeanor and fined not more than {$5000.00}. 5 U.S.C. 552a ( i ) ( 2 ). 

Any person who knowingly and willfully requests or obtains any record concerning an individual from an agency under false pretenses shall be guilty of a misdemeanor and fined not more than {$5000.00}. 5 U.S.C. 552a ( i ) ( 3 ). 

Comment : The Privacy Act allows for criminal penalties in limited circumstances. 

An agency official who improperly discloses records with individually identifiable information or who maintains records without proper notice, is guilty of a misdemeanor and subject to a fine of up to {$5000.00}, if the official acts willfully. Similarly, any individual who knowingly and willfully obtains a record under false pretenses is guilty of a misdemeanor and subject to a fine up to {$5000.00}. 

Experian receives their data on Public Records from Lexis Nexus, After disputing the sealed record with XXXX XXXX, XXXX XXXX conducted an investigation informing the creditor to notify them whether the case they represented, or tried to collect on is a sealed case, sealed in California, the creditor refused to verify whether or not the case was sealed, and XXXX XXXX concluded the investigation that the case was sealed, and deemed unverifiable by the creditor, therefore the XXXX XXXX account was deleted from their system, and they sent me a letter stating they deleted the account, they also informed me they sent a letter to Experian to remove the account from their systems, but Experian has failed to do ao, after speaking with an Experian Representative XXXX, he stated in order for them to delete the XXXX XXXX XXXX XXXX account, they need the letter from XXXX  XXXX  stating that it was deleted from their system. So I have attached the letter for the CFPB To Issue to Experian Dispute Public Records Special Department for them to remove the account from my credit file.
Consumer complaint received 2023-10-17
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)

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 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 2023-10-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (FL)

I paid my student loans off completely and have proof of a XXXX balance and proof of payment. Nelnet is continuing to charge me money. I have tried using their Chatbot to no avail. I have sat on hold for over 2 hours on multiple days. I've also emailed the company. No response from them and I whole heartedly believe they will not respond. I've kept receipts and proof of everything if needed.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Credit Systems,Inc. (TX)

A request was submitted in XX/XX/ to have this inaccurate reporting removed from my credit report and they responded claiming this account was accurate. 

I am not liable for this debt with XXXX XXXX XXXX XXXX for {$15000.00}. I do not have a contract with National Credit Systems Inc. They did not provide me with the original contract as requested.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To who it may concern, There was a breach with the XXXX XXXX XXXX XXXX and requesting a deletion : inaccurate information You are in Direct Violation of the Fair Credit Reporting Act which has been violated several rights.

15 U. S. C 1681 section 602A. Clearly states that 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 an account without my written instructions.

15 U. S. C 1666B : A creditor may not treat a payment on a credit card account under and open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act. 
I am Requesting all these inquiries be deleted : Transunion : 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 2023-10-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I cancelled my visa services through XXXX on XX/XX/2023 due to unsatisfactory customer service and requested a refund for all services including the Health Insurance.

My visa was never submitted to the XXXX Government!!! 

This is my second time hiring XXXX for visa services and each time it is a hassle. My first visa was approved and I gave the same type of documentation for the second visa but was continuously asked for new requirements not " explained or mentioned '' before which continued to delay the process. 

I called Bank of America 's claim department on XX/XX/2023 to request a refund for the visa services and the travel voucher. The agent stated that they do not provide refunds on Health Insurance Travel Vouchers.

As part of the visa process, I had to pre-purchase health insurance for XXXX year. Since I cancelled my visa services with XXXX, the health insurance voucher is void. The departure date on the travel voucher is XX/XX/2023. I submitted a cancellation request via email to XXXX for the Health Insurance Voucher on XX/XX/2023 which XXXX weeks before the " assumed '' departure date. 

XXXX explained that I had to submit a PQR on XX/XX/2023 and the XXXX team did not submit a response until XX/XX/2023 explaining that I had to contact XXXX Assist to request a travel voucher refund. XXXX XXXX team stated that they do not handle XXXX XXXX Refund request. Please see image attached. 

XXXX XXXX received two requests for a refund I verbally requested a refund on XX/XX/XXXX where they told me XXXX group handles the refunds and that is not true. The second request was via email on XX/XX/XXXX where they are telling me it is too late to request a refund although I already verbally requested one.

Both companies ( XXXX  and XXXX XXXX ) are both stating that they do not handle the Travel Voucher refund process which is why I am contacting the CFPB because I am getting the run around from both companies. 

Please see images attached.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TN)

I received an updated report history on my credit file from delinquent to current on one of the accounts I previously reported as inaccurate ; however, the company closed the account immediately after this occurred but did not update the credit file on the second card as requested. I have continuously asked this company to update my credit file to current so I can resume payments on the account, even offered to pay the account in full to delete the negative payment history because this is affecting my credit history in an attempt to purchase a home. I would like for the remaining account that is open to be updated to the current so I can resume payments on the account. As stated before, I was under financial hardship due to my personal bank account being compromised, and have made every attempt to resolve this issue. Per the letter that was sent back in XXXX, the company stated they were going to close these accounts ; however, again one has remained open and constantly reporting late so this is an inaccurate reporting.
Consumer complaint received 2019-06-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NY)

After I noticed my student loan account was in Paid Ahead status, I submitted an online request to FedLoan Servicing ( PHEAA ) on XX/XX/XXXX to remove it from Paid Ahead status and explain why and when it had been put into Paid Ahead Status. All of the instructions I send with my loan payments explicitly say to not put my account into Paid Ahead status, as did my previous CFPB complaint in XX/XX/XXXX. My XX/XX/XXXX online request also asked FedLoan servicing to keep my monthly bill at the original amount it started at, instead of sending me bills with different payment amounts each month, which I hadn't asked for. Note that in my online request to them I had listed {$250.00} as the original monthly bill amount, but it looks like the original amount was actually {$260.00}. I received an acknowledgment that they had received my XX/XX/XXXX request onXX/XX/XXXX, but they never responded to my questions or fixed these problems after almost 3 months! 

In addition, FedLoan Servicing ( PHEAA ) isn't following the instructions I send with my payments. As only one example of many, my XX/XX/XXXXbill was for {$240.00} and I paid {$330.00} on XX/XX/XXXXand instructed them to apply the additional {$91.00} to the loan disbursed on XX/XX/XXXX. They did not follow these instructions and only applied {$35.00} to the principal of this loan. Who knows where the rest of this money went and why! 

I have attached the following documents : 1. XX/XX/XXXX payment instructions that includes direction not to pay my account ahead. 
2. XXXX XXXX payment instructions 3. XX/XX/XXXX payment instructions 4. XX/XX/XXXX payment instructions 5. XX/XX/XXXX online request to remove Paid Ahead status and change my payment back to original amount 6. Confirmation that they received my XX/XX/XXXX request 7.  Account Summary page from XX/XX/XXXX showing my account in Paid Ahead status 8. XX/XX/XXXX monthly bill showing current balance, interest, and payment allocation 9. XX/XX/XXXX monthly bill showing current balance, interest, and payment allocation 10. XXXX Payment distribution across loans showing only {$35.00} applied to principal of Disb. XX/XX/XXXX loan 11. Screenshot of Disb. XX/XX/XXXX loan showing only {$35.00} applied to principal from XXXX payment
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

According to : 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 6801 - Protection of nonpublic personal information Also, because I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume, that no proof of the alleged debt, nor any such debt in fact, therefore exists TransUnion XXXX and XXXX continue to report wrong and fraudulent items on my report and they will not remove these items ... XXXX has removed these items but not these 3 bureaus... 

XXXX XXXXXXXX XXXX XXXX {$1600.00} XXXX XXXX {$800.00} XXXX XXXX {$1000.00} Plus 1 inquiry from XXXX TransUnion XXXX XXXX {$1600.00} XXXX XXXX {$800.00} Plus 10 inquiries over the last 3months and beyond
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

There is a FRAUDULENT item ( XXXX XXXX XXXX XXXX ) and an UNAUTHORIZED/FRAUDULENT inquiry ( XXXX XX/XX/XXXX XXXX XXXX XXXX ) on my credit report. I do not have any idea regarding these fraudulent accounts on my credit report. I am not the one who initiated the inquiry. I am submitting a complaint regarding this inquiry and for assistance to REMOVE it from my credit report immediately. 

Don't close this complaint with a reason that I need to prove my identity because all necessary documents are all attached on the letters!
Consumer complaint received 2023-10-17
Product: Credit 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: SYNCHRONY FINANCIAL (TX)

An unauthorized address change was made on my credit card. Then an unauthorized charge was made. I called the credit card company and the address was changed back to my address. The credit card was canceled and a new card was issued. Checked my credit report and this new address ( out of state and unauthorized ) was listed on my report. Filed an account alert on all 3 credit companies and was advised to file on this site also.
Consumer complaint received 2023-10-17
Product: Credit reporting 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)

In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX ( XXXX XXXX ), has violated my rights. 

1

5 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 an account without my written permissions and instructions.