davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-31
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. (AL)

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.

has violated my rights. Or a list of inquiries : 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 2023-11-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (WA)

On XX/XX/XXXX I was email saying I owe {$310.00}, which was my monthly charge. That made sense. I used Nelnet 's " Pay By Account '' feature on their website which said I owed {$310.00} by XX/XX/XXXX or something near the end of the month. I paid that on XX/XX/XXXX, which processed just fine. Everything seemed fine. 

On XX/XX/XXXX I got an email saying my account were past due. I Immediately called Nelnet. Which I waited on hold for over 2 hours, seems wild that a student loan provider company cant have reasonable customer support. ( Check reddit, almost everyone has 1-2 hour wait times ). I then got a representative that did not know why my account showed past due and couldn't support me. I waited on hold for another half an hour for them to say my payments were allocated only to two of my loan groups. So now I dont owe money on those groups till XXXX and XXXX. Not only that, I checked XX/XX/XXXX ( was paying off some parent plus loans ), and it said I didnt owe any money till XX/XX/XXXX. They company wrongfully allocated my money, failed to tell me I owed money, and then charged late fees for a payment they screwed up. They are going to reallocate my payment to be on all groups, but im lucky I could afford to sit on a phone call for over 3 hours, not everyone can. 

This is completely unacceptable behavior for a company. They have a bug with their code where the " Pay by account '' feature and paying your monthly due payment, actually wont pay your account dues, and randomly allocate that money to only some groups. They then dont tell you that you have a payment soon, just so they can make extra money on late fees. This should company should be investigated and audited. This is the same company that in XXXX was found guilty of fraud, and now they are using these same tactics to exploit student loan borrowers
Consumer complaint received 2023-11-01
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. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XX/XX/ Dear Sir/Madam, I am writing to dispute the accuracy of certain collection accounts on my credit report, which I believe are the result of fraudulent activities. According to the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I have the right to challenge any information on my credit report that I believe is inaccurate or unlawfully reported. 

Upon reviewing my credit report, I have identified the following accounts that are the result of fraudulent activities and are not my financial obligations : XXXX XXXX XXXX Opened XXXX - {$550.00} XXXX XXXX XXXX Opened XXXX - {$600.00} XXXX XXXX XXXX XXXX Opened XXXX - {$830.00} XXXX XXXX XXXX XXXX Opened XXXX - {$890.00} XXXX XXXX XXXX XXXX Opened XXXX - {$930.00} XXXX XXXX XXXX Opened XXXX - {$930.00} I request that you conduct a thorough investigation into the origin and legitimacy of these accounts and immediately remove them from my credit report. I have already reported these fraudulent activities to the appropriate law enforcement agencies and the Federal Trade Commission ( FTC ) for further investigation.

Please provide written confirmation of the removal of these fraudulent accounts from my credit report and notify the respective creditors and collection agencies about the fraudulent nature of these accounts.

I appreciate your urgent attention to this matter and expect a prompt resolution in compliance with the law. Kindly inform me of the results of your investigation within the timeline specified by the FCRA. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-11-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (PA)

Financial Institution : USAA Federal Savings Bank I called USAA on XX/XX/XXXX due to 10 overdraft fees of {$29.00} each appearing on my checking account within XXXX. I was suprised by this because I never received fees before. USAA said they sent notifications via documents on the mobile app before XX/XX/XXXX stating they are making " auto changes to over draft fees '' that automatically enrolls the consumer to overdraft protection unless they opt-out. I told them it was immoral and illegal to change a service without the consumer receiving proper notification that I knew of the changes and most importantly, I consented to overdraft protection. This has put my account negative - {$700.00} and my husband has been laid off in recent months. I told them that President Biden and the CFPB have launched the Over Draft Protection Act of XXXX that states the bank must have consumers " opt in '' and have consent before they legally start over drafts. Additionally, banks are limited to one fee per month and up to 6 per year. I was charged 10 OD fees and only was granted XXXX OD refunds. I spoke with someone in the CEO office and they said they will call me back but I deserve to get my money back. I never consented to " opt-in '' to OD protection and this is illegal to auto enroll " opt-in ''. I now saw the letter and attached it. Please help
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I have disputed this item numerous times in the last years, Experian and/or creditor fail to investigate the matter and just brush me off with canned response that the information has been verified but fail to provide proof and method of validation. 
Creditor has demonstrated inconsistent reporting as seen in the attached XXXX XXXX report that I have high lighted the inconsistency across the XXXX major credit bureaus that demonstrates the creditor 's inconsistent reporting, FAIR CREDIT REPORTING ACT/REGULATION V Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumers dispute that the furnished information is inaccurate or incomplete. 
This inaccurate reporting is affecting my ability to obtain credit as seen in the attached adverse action letter from XXXX. 
The CFPB and XXXX needs to implement some kind of measure to hold not only the creditor ( XXXX ) but the credit reporting agencies responsible. I have been looking into XXXX XXXX and have seen where consumers can sue for remedy but the average consumer doesn't have the know how or the time to follow through and the credit reporting agency and/or creditors take advantage of that and do whatever the XXXX they want to and if the consumer pushes back most time they get blown off or they try to intimidate them.
Consumer complaint received 2023-11-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (OH)

Threatened to sue me without summons, clear violation of fdcpa, I called and they immediately try to ask about me paying meaning they havent sued meaning they threatened me without summons, from a debt which is over a couple years old
Consumer complaint received 2023-10-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX will not STOP ruing my TRANSUNION CREDIT REPORT they keep reporting INACCURATE FRAUDULENT UPDATES to TRANSUNION and they wont STOP I mean STOP NOW something has to be DONE NOW they started back up ruing my CREDIT every since I opened this new DISPUTE for them to DELETE this fraudulent XXXX XXXX account when the dispute resulted completed on XX/XX/XXXX they FRAUDULENT VERIFIED and LIED to TRANSUNION that this account was OPEN and it Was a LIE because it was CHARGED OFF and CLOSED on XX/XX/XXXX I have the PROOF see all the INFORMATION attached and then they came back and updated on XX/XX/XXXX with TRANSUNION and reported the account CLOSED again and XXXX XXXX just verified to TRANSUNION that it was not CLOSED to REOPEN it back up on XX/XX/XXXX. THIS has to STOP please help me CFPB XXXX XXXX has to be STOPPED. I have reported this to the FTC because my IDENTITY has and was FRAUDULENTLY USED this called IDENTITY REPORTING FRAUD. this is a FCRA Violation called RE-AGING also with reopening aged CHARGED OFF accounts and CLOSING it 5 days later with the dates of closing changing from XX/XX/XXXX to the NEW FRAUDULENT CLOSED DATE XX/XX/XXXX XXXXXXXX XXXX is DEFINITELY going to PAY for the INACCURATE FRAUD reopening and closing of this account data and deleting the closing date and reporting a FRAUDULENT closing date 5 days later to ruined my CREDIT and making it look like I have a RECENT CHARGE OFF after they CLOSED the account again from REOPENING the account 5 days prior. THEY have to be STOPPED NOW and TRANSUNION is the CREDIT BUREAU that is LETTING them update and report the INACCURATE VERIFICATION of FRAUDULENT INFORMATION and they wont do anything NOR will they FIX my CREDIT REPORT and DELETE this account. I have sent in so many documents of proof and made so many COMPLAINTS and NOTHING is being DONE attached again will be included my IDENTITY THEFT complaint report in reference to XXXX XXXX and TRANSUNION.
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-11-02
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. (GA)

I'm filing this follow-up complaint to formally inform XXXX, XXXX, and TransUnion Credit Bureaus of my intent to update my credit reports within the next 15 days. I earnestly expect these three Credit Bureaus to promptly remove the specified inquiries from my credit records. This communication is a continuation of my previous complaint, dated XX/XX/XXXX. I respectfully request that the inquiries listed in this complaint, as well as those in the aforementioned complaint, be removed upon completion of the 15-day credit report update period : XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX, XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX US DEPARTMENT OF EDU 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 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 XX/XX/XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  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 2023-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (MN)

I submitted a deposit transfer on XX/XX/XXXX of {$250.00}. The transfer request says " we withdrew funds on XX/XX/XXXX and Ally did take this money from my other, non Ally savings account. Ally then closed my account, and refused my paycheck that I had set up for direct deposit. In late XXXX, XXXX a customer service rep said that this should not happen and that I would receive my paycheck. 

Now, on XX/XX/XXXX, I found the account was closed and I can't access my paycheck. I spoke with XXXX, and after multiple five minute gaps, she responded and basically said " we closed your account. '' No new info, and didn't seem to have read the chat with XXXX. She escalated to XXXX, who also wasn't able to help, but did assure me that I would NOT be receiving the {$200.00} account opening bonus -- but would I like her to submit a request to reopen my account ( which would take XXXX days and I wouldn't have my paycheck... ) At minimum, I think the transfer request of {$250.00} should have been blocked or not processed if the account will be closed. Thankfully I have other cash available, but for some people this could be a really big issue -- no paycheck and Ally even took additional money out of my savings. It would be different if the money was never withdrawn from my other account -- a little bit, but to close an account with a pending deposit ( and an upcoming paycheck deposit that XXXX acknowledged ) feels wrong.
Consumer complaint received 2023-11-01
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (NJ)

In reference to my previous complaint CFPB # XXXX, Company response is states that their Fraud department has concluded that purchases two transactions ( {$210.00} & {$34.00} ) totaling {$280.00} were not made by me. As a result a refund has been issued. 
The only refund that was issued to me was the extra amount that I had overpaid which was a. 
The amount I payed to XXXXXXXX XXXX  is {$610.00} on XX/XX/2023, which included : 1> The fraud amount {$280.00} 2> Late Fee 3> Interest charges 4> Fine Plus destruction of my credit rating - direct outcome of that is I could not get home mortgage loan, as my credit rating had plummeted. 

I assume we all can do the math on the tangible amount and if that is true then the statement shared by Synchrony Bank on the amount refunded to me is both false and misleading. 

At the bare minimum Synchrony Bank stands to refund me {$560.00} Sincerely, XXXX XXXX
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I am reaching out to Bank of America about a charged account on my credit profile. I am aware that to make this account charged off, you all had to write off this debt to have the account listed as Charged off. Upon looking at my credit report, I see that {$660.00} dollars have been written off. Because of this, I am asking that Bank of America provides me with Form XXXX to prove that you all have in fact written this account off. I am requesting that this form is submitted within 15 days. If you CAN NOT submit this form proving that this account is in fact charged off, I am demanding that you promptly delete this account. If you fail to comply with any of the requests that I am asking, I will not only hold this company accountable for tax fraud, but also proceed with filing a lawsuit. 


Account number : XXXX
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXXXXXX {$1500.00} XX/XX/XXXX XXXX XXXX {$18000.00} XX/XX/XXXX 15 U.S.C, 1681section 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-01
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (MD)

Good evening : Since XXXX of XXXX I have requested Mohela to update my PSLF status, which I believed would have allowed my accounts to have been discharged under several Board Of Education forgiveness policies from the Biden Administration. When I submitted my PSLF certification on XX/XX/XXXX and received a letter on XX/XX/XXXX that they were my servicer, I addressed XXXX & XXXX had not been qualified by Mohela for PSLF and I continued to request the correction for 2 years. In XX/XX/XXXX ; I was told they couldn't qualify the employer although it was the same employer since XXXX. Remind you, payments resume the following month in XXXX and if Mohela didnt make the PSLF corrections-the current balance will be incorrect and my payments will be high. 

In XX/XX/XXXX, My spouse and I submitted our IDR ( SAVE ) application. My spouse gave his income and I have no income as of XX/XX/XXXX, due to unemployment from multiple surgeries caused by COVID 19. After submitting our application we both get placed on Administrative Forbearance in XX/XX/XXXX when my payment of {$900.00} is due XX/XX/XXXX and his {$1100.00} on XX/XX/XXXX. On XXXX I receive a notice, " unable to grant our request ... ... ... .based on the reduction in your family size and/or an increase in income your payments will increase. This was not true. We reported the opposite of an increase in family size and decrease in income. They made an error. We called Mohela for the 4th time and talked to an advance representative and we shared everything again about my XXXX, our PSLF status not updated and my IDR being corrected. 

In conclusion, as of XX/XX/XXXX my account remains in forbearance, my PSLF for XXXX to XXXX finally got qualified but my ACCOUNT BALANCE is not recalculated from qualifying my employment for the PSLF and my IDR is still in processing mode. On the other hand, this doesn't make sense when my spouse IDR has been APPROVED to a lower amount of {$750.00} -starting XXXX XXXX they haven't recalculated his balance based on the 14 PSLF that have been certify by Student Aid on XX/XX/XXXX, but they choose to keep those 14 payments in processing mode. 

***Mohela is corrupt and need to be replaced with another agency. Mohela is putting people in Administrative Forbearance, delaying approvals, not qualifying employers that have been certified by Student Aid and not recalculating account balances that will render lower payments for their borrowers. ****
Consumer complaint received 2024-11-01
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. (CA)

These companies pulled up my credit report without my authorization and this has hurt my credit and credit score. I have contacted the bureau and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me XXXX  for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my credit score.
Consumer complaint received 2023-10-31
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. (MD)

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Teletrack, a supplemental consumer credit agency, for violating the Fair Credit Reporting Act ( FCRA ) by furnishing information about me to XXXX without my consent. 

On XX/XX/2023, Teletrack furnished a consumer report about me to XXXX without my written permission. This is a violation of Section XXXX ( a ) ( XXXX ) ( A ) of the FCRA, which prohibits consumer reporting agencies from furnishing consumer reports without the consumer 's written permission. 

I have not provided Teletrack with my written permission to furnish consumer reports about me to any third parties. I am very concerned about the fact that Teletrack has violated my privacy rights by furnishing a consumer report about me without my consent. 

I am requesting that the CFPB investigate this matter and take appropriate action against Teletrack. I am also requesting that the CFPB require Teletrack to destroy all copies of the consumer report that it furnished to XXXX without my consent. 

Thank you for your time and attention to this matter. 

Law codes violated by Teletrack : * Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681-1681x.

* Section 604 ( a ) ( 3 ) ( A ) of the FCRA : 15 U.S.C. 1681b ( a ) ( 3 ) ( A ).

* Section 604 ( f ) of the FCRA : 15 U.S.C. 1681b ( f ). 

XXXX XXXX