davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MA)

I sent a payment on XX/XX/2023 to pay off my loan with Loan Number XXXX, Loan Type Direct Unsubsidized Consolidation, and Payoff Amount {$540.00}. I printed a Payoff Payment Confirmation from the Mohela website that noted that this payment would be effective XX/XX/2023. Now the Mohela webiste says that this loan has a balance of {$0.00}. This is incorrect. Mohela needs to fix this by correcting the balance to {$0.00}. 

Mohela also needs to update my name. I sent the name change form on XX/XX/2023. 
I sent a follow up message on XX/XX/2023 XXXX XXXX  because they have not changed my name and it has been over XXXX months.
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

Hello. After being contacted by my bank for an attempt to use ach payment I immediately notified the creditor XXXX XXXX XXXX XXXX ( thru XXXX XXXX  ) that I had set up a reoccurring payment with. I was charged XXXX insufficient funds fee even though I had the funds but payment was did in error. I corrected error & notified this creditor. I was told that I would get fees reversed & credited & would not be reported to credit report for any late payments that may occur because of this error. When I checked my credit report my score dropped XXXX points for the {$50.00} fees that I incurred for my payment error that was corrected. I have reached out and sent XXXX messages asking for XXXX XXXX XXXX since this ach was done in error but still no response even though I have kept my payment history positive
Consumer complaint received 2023-12-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am reaching out regarding the below account ; i have tried validating the debt with the credit reporting agencies by filing inquires and dispute letters requesting the detailed information relating to the debt and how it applies to me. 
I asked for original signed documents and agreements pertaining to the debt. However, both the credit agencies and the debt holder failed to provide that information after multiple requests. Account Info Account Name XXXX XXXX XXXX XXXX Account Number XXXX Treatment of inaccurate or unverifiable information clause in the FTC guideline states : If, after any re investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agencies shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate based on the result of re investigation
Consumer complaint received 2024-01-05
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc. (TX)

I am currently in school. I requested an in school deferment. XXXX, initially denied my request. The reason, I was only allowed 4 years to obtain deferment. XXXX XXXX is who granted my loan. Per their website, I am allowed 7 years of in school deferment. 

I submitted this info via mail. XXXX, then stated that my request was denied because the wrong form was used. 

It is my belief that XXXX denied my request because I am an XXXX American male and it is there intent to escalate the amount that is owed by adding on late fees. 

I am in school, my loans should be deferred.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.
Consumer complaint received 2023-12-04
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: Experian Information Solutions Inc. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-30
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. (IL)

There are numerous instances of disobedience with mandated reporting criteria, thus the information in my report isn't accurate and comprehensive! Having said that, I dispute your claims and challenge you to show me that you have the authority to publish this inaccurate, misleading information to my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Provide truthful information about accounts or other connections with a customer.

Provide accurate information about accounts or other interactions you have with customers.

C - Look at consumer complaints in a reasonable manner According to CRRG, you have to adhere to the Metro 2 compliance guidelines in order to file a legitimate report.

Furthermore, " Any Deviation From These Standards Jeopardizes The Integrity of The Data, '' according to the CRRG. This implies that discrepancies in reporting claims have the potential to reduce information accuracy and have an impact on the accuracy of reports that are subject to federal regulation. 

I'm using my right to object to these erroneous and non-compliant items as a consequence. You will only demonstrate your lack of concern for my rights as a customer if you ignore my demand. Reporting information that hasn't been verified as ethical and compliant with certified reporting standards isn't fair. Once more, I contest these assertions and demand documentation of the appropriate reporting guidelines.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.
Consumer complaint received 2024-01-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am writing to dispute fraudulent accounts that has appeared on my credit report. It has come to my attention that my identity has been stolen, and this unauthorized account has been opened without my knowledge or consent. 

I have recently reviewed my credit report, and I was shocked to discover the presence of a fraudulent accounts under my name. The accounts in question is with XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I have never had any dealings with this creditors, nor have I ever authorized the opening of these accounts. It is evident that someone has fraudulently used my personal information to establish these accounts I have a disputed these accounts several times with my police report XXXX XXXX and Transunion are not doing a real investigation they are just placing verified these accounts are not mines if they do the real investigation they will see that these three companies needs to be penalized for not doing investigations the automated computer dispute system does not work for me I WANT THESE ITEMS REMOVED IMMEDIATELY I kindly request that you conduct a thorough investigation into this matter and remove the fraudulent accounts from my credit report as soon as possible. I understand that as per the Fair Credit Reporting Act, it is the responsibility of the credit bureau to ensure the accuracy of the information on my credit report. Therefore, I am confident that you will take the necessary steps to rectify this issue promptly. 

To assist with the investigation, I have enclosed the following supporting documents : XXXX. Identity theft police report XXXX. Screenshots of accounts In question Please note that I have already contacted the local authorities and filed a police report regarding this fraudulent activity. I am taking all necessary steps to ensure that the responsible party is held accountable I have already contacted Attorney General I appreciate your prompt attention to this matter. It is crucial that this fraudulent account is removed from my credit report so that I can restore my financial standing and protect my creditworthiness. 

Thank you for your understanding and cooperation. I look forward to a favorable resolution to this dispute.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 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 Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-11-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BMO Bank, N.A. (IL)

My account was closed randomly and without warning. 

I contacted the Risk Department ( XXXX ) and spoke to XXXX XXXX, who apparently was having a bad day. 

Upon speaking to XXXX XXXX, I was told that a check was mailed out with the remaining balance in my account. I ask XXXX XXXX if she could place a stop payment on the check, reissue the check and have it mailed to an alternate address. XXXX XXXX angrily replied, " we don't do that unless your check was lost and it won't be considered lost until at least 30 days ''. 

I asked " well do I need to get an attorney involved? '' XXXX XXXX responded " when you sign the disclosures with the bank you agree we can close your account any time for any reason and youre mentioning an attorney - good XXXX luck '' and she instantly hung the phone up in my face. 

Stunned, I proceeded to call back. XXXX XXXX answered the phone again and said " XXXX XXXX XXXX '' before hanging up the phone again. 

I called back yet again and was greeted with " Stop XXXX calling this phone! '' Before being hung up on yet again. 

In a final attempt I called back and was greeted yet again with " XXXX XXXX, XXXX XXXX XXXX '' before XXXX XXXX hung up the phone again. 

Im not sure why XXXX XXXX was so upset but I'm flabbergasted at the way she spoke to me and I will be pursuing legal action.
Consumer complaint received 2023-11-30
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: Experian Information Solutions Inc. (GA)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Open Account : XXXX XXXX XXXX XXXX XXXXXXXX Closed Accounts : 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 UNAUTHORIZED INQUIRIES : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Identity Theft! There are accounts in my credit report that are not mine. I do not have a record of doing business with these companies. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. Attached you will also find my ID, and Proof of Address with my most recent bill.
Consumer complaint received 2023-11-28
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (TX)

FAIR COLLECTION AND OUTSOURCING has a collection account in the amount of {$2100.00} that is reporting on my consumer reports that I do not owe nor am I responsible for. I contacted them on numerous occasions to try to settle this as this is affecting my credit score, I sent them a letter willing to settle this debt to Remove this account from my consumer reports but they are using deceptive language by saying they will close the account and that is not in the agreement of which I sent them. They replied with a letter stating they are willing to settle for XXXX and I sent a final offer letter of settlement of XXXX and then a second letter XXXX since this debt is not mine and I see that they are in violation of FCRA 15 USC 1681 B2 ( permissable purpose use ) so I rescinded my offer and will pursue legal action. It seems this account has resulted from identity theft to which I have provided them a identity theft report to which they have not responded but only responded for me to pay XXXX to settle. My credit reports should not be held hostage in this matter. Even though this debt is not mine they insist I pay an amount that is unreasonable to close the account and not remove it from my consumer report in which I refuse to do. Any errors on a consumer report that is a result of identity theft must be removed from the credit file within 4 days per the FCRA. If this is not done I will be forced to take legal action for the violations FCO has committed.
Consumer complaint received 2024-01-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NAVY FEDERAL CREDIT UNION (CA)

Ive been receiving repeatedly calls from this company a day and when I finally answered once the young lady basically threatened me that if I did not pay the balance basically it will continue to have a negative remark on my credit all calls are recorded for training purposes so Im highly sure this call can be pulled up and listened to to prove what I am saying now, I have no knowledge of owed money with this company Ive previously disputed the charges in that card so im not sure why there will still be a balance on the card, Im only on one account with this company and im an authorized user
Consumer complaint received 2023-11-30
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. (TX)

To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX  Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX 5. Validate prove it with a wet signature this debt belongs to me. This information is inaccurate per FDCPA section 807 violation misleading false reporting Account Number : Please investigate and delete from my credit report. 
6. Validate prove it with a wet signature this debt belongs to me. This information is inaccurate per FDCPA section 807 violation misleading false reporting Account Number : Please investigate and delete from my credit report By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter.
Consumer complaint received 2023-11-28
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 2024-09-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

15 U.S. Code 1681n - Civil liability for willful noncompliance. TransUnion is not complying. XXXX LOAN PAID OFF
Consumer complaint received 2023-11-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

On or around the last week of XX/XX/2023, my wallet and cell phone were stolen. I promptly reported my stolen debit card to Wells Fargo. I learned from the customer service representative there were multiple unauthorized ATM withdraws. The total amount of the unauthorized transactions was {$2300.00} plus out-of-network ATM fee ( s ). Wells Fargos investigation took longer than ten ( 10 ) business days and I never received provisional credit. I had to call Wells Fargo after 10 business days to learn my claim was denied because of two-factor authentication from my phone. I told the agent my phone was stolen and the agent said theyll conduct a second investigation and review the phone issue. Wells Fargo failed to conduct a reasonable investigation within 10 business days. Wells Fargo should have either completed a reasonable investigation within 10 days or provide provisional credit. Wells Fargo failed to do both. If the perpetrator ( s ) used an ATM, then the camera would show the suspect ( s ). I never had any authorized users. I dont have a joint account. I never gave anyone permission to use my debit card. I am desirous of prosecution. Wells Fargo is in violation of, among other things, Regulation E and the Electronic Fund Transfer Act. According to my attorney, I am not responsible for unauthorized transactions. Moreover, I have no history of using out-of-network ATMs and the unauthorized transactions occurred outside of my geographical location. Its clearly unusual activity. Being the victim of a crime and losing my money has been detrimental as I have medical bills due that I am unable to pay, and as a result, Im unable to get the medical care I need.
Consumer complaint received 2023-11-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (SC)

I opened a Venmo credit card with Synchrony Bank in XXXX of XXXX. I have made purchases and payments since then. On XX/XX/XXXX of XXXX, I made a payment for the balance in full ( amount - {$3000.00} ). This payment has been placed on a 14 day hold which I find to be extremely excessive when compared with TILA payment hold requirements. The reason for the hold they state : the account is less than 6 months old and they wish to verify that the funds clear. The funds cleared my XXXX  checking account instantly. I notified asynchrony banks customer service department and escalated twice to a manager to have the hold removed. I was told there is no way to remove the hold, and that I would have to wait 14 days for my available credit to be updated. Their solution was for me to apply for a credit line increase which sounds like predatory lending under UDAP and UDAAP. There is no reason to hold an electronic payment 14 days simply because my account is newI have no history of delinquency and no returned payments and therefore my available credit should be immediately ( within 48 hours ) be reflected. Synchrony claims there is no way to manually remove the hold, which I interpret as a lie or an extremely poorly designed process which in either case violates TILA, UDAP, and/or UDAP as well as other consumer protection regulations that may not be cited in this complaint.