davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I write to demand that XXXX XXXX  investigate and respond to every complaint that I may make to the CFPB as filing false, misleading, inaccurate responses especially those to close XXXX XXXX investigations through concealment us a very serious matter much worse than willful FCRA violations. I complained to the CFPB that XXXX XXXX  was in willful violation of the FCRA by refusing to promptly report my 2 accounts as closed. Subsequently, based on newly discovered data about XXXX XXXX reporting my 2 accounts as OPEN to XXXX on XX/XX/2023, I filed another good faith complaint with the CFPB due to remedy the Facially False Data from continuing to appear. To avoid responding to my new complaint with pertinent information, XXXX XXXX summarily closed my second complaint XXXX XXXX to avoid response, to conceal the facts or avoid investigation. On XX/XX/2023, XXXX XXXX  mailed me the attached letter stating that it reported my accounts as closed. However, that is false as it reported my accounts to XXXX as XXXX on XX/XX/2023. The truth matters!!!
Consumer complaint received 2023-02-09
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. (GA)

I looked at my current credit report and noticed several discrepancies. US C 1681 i ( 5 ) requires that the bureaus use maximum accuracy, and this has not been displayed in my case.

My rights are being violated and preventing me from purchasing a home for me and my family.

These violations come with penalties if not corrected. I'm also trying to figure out how they did a thorough investigation. What MOV was used? It appears they used information from other credit reporting agencies, which is a violation according to FRCA. Experian, XXXX, and XXXX are all reporting inaccurate information causing me financial harm.
Consumer complaint received 2023-02-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (MS)

On XX/XX/2022 was when my vehicle was broken into and my work items were stolen such as my business phone, I kno I can take the blame for not having a passcode on there but I did have all my bank information in my notes my SSN and etc .. i have proof of the truck the type of phone it was and everything my bank hasnt personally reached out to me with a call or anything dealing with my account so I didnt think nothing of it. I have my own trucking business and have a business bank account with Navy Federal Credit union .. so when I finally get back home after working a week I had mailed waiting on me saying different things about my account suspicious activity? Mobile deposit? knowing it wasnt me I called navy federal as quick as possible and told them everything they immediately told me it might not be anything they can do and I might be responsible to pay back the funds.. I ask them what funds the person that had my log in information mobile deposited a XXXX business check in my business account Im like thats impossible! I havent even worked that much with my business to even pay half of that! I applied for a loan to get everything up and and running and that incident got my account closed my loan closed I still have credit cards I have to pay on navy federal not even trying to investigate not even trying to work with me like I did this problem THIS IS FRAUD THIS WASNT ME I deserve to have another account I never been apart of any fraud I had this account for some years they said they was going to get bk with me but I havent heard anything yet! If I can get another account back open I can at least try to pay something on it but I desperately need my account back I can not lose this privilege payment plans or something
Consumer complaint received 2023-02-12
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: SYNCHRONY FINANCIAL (NC)

This is in direct reference to Complaint XXXX against Synchrony Bank that was closed with an inadequate explanation. I provided feedback but I believe my feedback deserves re-submission as a complaint. When you review my complaint you will see that it concerned Synchrony 's deceptive handling of my CD account regarding their funding period and the rate lock terms. In their response, they cited compliance with their agreement as the reason for their denial of my complaint. They provided a copy of their agreement which DOES NOT address my situation. Their agreement does NOT specify when the rate is locked. They changed their rate on the account during my funding period, but did not give me the higher rate because I had funded early in the period and they increased the rate towards the end of my funding period. My understanding of Synchrony 's practice was that the consumer would get the highest rate being paid during their funding period, which I did not. Synchrony advertised their CD promotions with a " hurry while it lasts '' theme, even though they have frequently increased their rates. Being very frustrated over the lack of clarity in their terms and the awful customer service responsiveness, I long ago requested that the CD be closed without penalty and the funds returned to the source, which was my savings account with them. Their murky terms and advertising approach is very deceptive to consumers, and resulted in me being locked into a rate far below the market. They have cost me and I am sure many other consumers ( particularly seniors like myself ) a lot of interest earnings. At this time, I am asking the CFPB to look into this further and ask Synchrony to clarify how their terms specifies their practice on the locking of the CD rate and how the funding period relates to that. Because of this confusion and shady practice, I am again asking that Synchrony close my CD with accrued interest and NO penalty, and return the funds to my savings account. I also think that the CFPB, in the best interests of consumers, compel Synchrony to stop this deception and at least make me somewhat whole by returning my principal and accrued interest without penalty. Even with thos remedy, they still have enjoyed the benfit of my deposit while having paid a rate to me that was still far below the savings account rate that they began paying on their savings account shortly after I was " locked '' into this under market CD. 
It is a violation of trust that Synchrony conducts business in this manner during these difficult financial times, again, especially for senior citizen consumers who desperately need the best interest income that they can get. 
THANK YOU, XXXX XXXX
Consumer complaint received 2023-02-09
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)

In accordance with the fair reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 ufc 168. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts have violated my rights. 

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 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NJ)

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : My Full Legal Name : XXXX XXXX My Address : XXXX XXXX XXXX XXXX, New Jersey XXXX XXXX. Incorrect Names : XXXX, XXXX, XXXX ; XXXX, XXXX, L ; XXXX, XXXXXXXX XXXX XXXX requested : DELETE XXXX. Incorrect Addresses : XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX  XXXX, XXXX XXXX, NJ XXXX Remedy requested : DELETE XXXX. Incorrect Employers : XXXX XXXX XXXX XXXX  Remedy requested : DELETE XXXX Inquiries : XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX EXPERIAN XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. Fraudulent Credit Card : XXXX XXXX : Fraudulent Utility Accounts : XXXX
Consumer complaint received 2023-02-09
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. (VA)

To Whom It May Concern : I recently received a copy of my ( Equifax ) credit report, and I noticed that you are still reporting a medical collection under the {$500.00} threshold. Starting in 2023, XXXX XXXX XXXX less than {$500.00} will no longer be reported on consumer credit reports. Medical bills under {$500.00} are significantly more likely to remain on a credit report for longer than medical bills over {$500.00}. For patients and families who have only relatively small outstanding medical bills, the {$500.00} threshold could mean a large reduction in coercive credit reporting. 

XXXX XXXX ACCOUNT # XXXX
Consumer complaint received 2023-02-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CA)

I applied for XXXX on XX/XX/XXXX and was informed that there was a 90 day processing time. The 90 day period has now passed and when I logged in to check the status of my application the status showed " Cancelled ''. I have not received any correspondence regarding this and have not been informed of what " cancelled '' indicates/translates. Upon contacting Mohela by phone on XX/XX/XXXX I was placed on a significantly long hold while my application status was " looked into '' and still was not provided with helpful information or resolution during the phone call. At conclusion of this call I was told that I would need to wait another 30 days for processing as they are unsure of why my application status is showing as cancelled. I submitted all required and fully completed documentation in XXXX of XXXX and I am not sure what the hold up is for moving forward with the forgiveness of my student loans on the basis of 120 months of completed public service. Being that the 90 days has passed I feel correction or further processing of my application should now be expedited and I should not be required to wait another 30 days due to MOHELA mishandling of my application.
Consumer complaint received 2024-11-01
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. (FL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-11-01
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 recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.
Consumer complaint received 2024-10-24
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)

Consumer Name : XXXX XXXX Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> with a balance of {$710.00} that appears related to the aforementioned Fraudulent accounts. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2023-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.
Consumer complaint received 2023-02-09
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)

in accordance with the fair credit reporting act XXXX  account # XXXXXXXX XXXX XXXX XXXX Account number # XXXX XXXX XXXX account number # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX account numbe XXXX XXXX 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 Consumer reporting agency cannont furnish a account without my written instructions
Consumer complaint received 2023-02-12
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Onity Group Inc. (SC)

On XXXX XXXX PHH mortgage server as a agent for XXXX XXXX XXXX XXXX fraudulently and wrongfully foreclose on my property. These company has be deceiving me and my now decease mom into thinking that PHH mortgager was the servicer and XXXX XXXX XXXX XXXX AS TRUSTEE for the XXXX XXXX in which they hold no such title or claims to the property and I have the proof to support my claims. On XX/XX/1999 my now decease mom gave XXXX XXXX XXXX a Security Instrument ( Note ) XXXX. On XXXX XXXX the mortgage was then assigned to XXXX XXXX as Trustee for XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX. On XXXX XXXX, the mortgage was then assigned by XXXX XXXX XXXX, LP as Attorney -in-Fact for the XXXX XXXX Bank XXXX XXXX for XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX to XXXX XXXX as Trustee. All trust my be filed with the SEC which one can not be found. XXXXXXXX XXXX  must prove that it has possession of both the promissory note and the mortgage and proof of chain with proper endorsement and assignment in which it has not. I have requested proof from the loan server and there respond was they PHH Mortgage was not involved in the origination and they can not comment
Consumer complaint received 2023-02-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (MA)

Mohela has been unresponsive to my questions about my account. They have also changed so-called " policies and procedures '' throughout my interaction with them over the past 5 months. I applied for public service loan forgiveness in XXXX of XXXX. I was told it could take up to 90 days. In XXXX, I received two notices. The first was an update showing that my certification had been updated. And the second stating they had. These were very confusing because although they were transmitted electronically they appeared to back dated and was challenging to piece together which notice was correct. Since then, I have been told there's no other paperwork I need to file and my account reveals the necessary number of qualifying payments. However, I have not been able to confirm whether Mohela has taken any next steps to contact the Department of Education so that my loans can be discharged. I have called multiple times and received no answers. Most recently I called on XX/XX/XXXX and spoke to XXXX who only spoke to me vague generalities about how the process works and would not answer my questions about my account. He promised to transfer me to a supervisor but after 30 minutes on hold they hung up and never called back as promised. Today, XX/XX/XXXX, I attempted to utilize the chat function where I spoke with XXXX. Again, she only spoke in vague generalities and when I continued to ask questions specific to my account she told me I could call to speak to a supervisor and then blocked me from continuing the chat. The other complication is that when I call and use the directory it suggests that there has been another document uploaded to my account in XXXX that I can not see online and that I did not personal submit. I don't know what else to do in order to get information relative to my own personal account. This is completely unacceptable.
Consumer complaint received 2023-02-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION (PA)

XX/XX/2023 at XXXX XXXX amount of {$5000.00} was fraudulently taken out of my account. I immediately went to the bank once notified about the illegal transaction. The bank had no empathy. They opened a new account to ensure that the new account wouldn't be hacked. However, the gave no provisional credit or insight other than informing me it would take 7-10 days. However, here on XX/XX/2023 the issue is still unresolved. On XX/XX/2023 i contacted them because I am very uneasy and explained to them I'm in the middle of buying a house and this is pushing back my settlement and me and my children can loose our house. The representative said IM SORRY YOU FEEL THIS WAY. So at that point i became irate. I have been nothing but patient. I put over 6 figures into a federally insured bank in which i trusted for years and they do not care because it's not their money. I had several products with this company and never experienced this with any bank. I have never been frauded, humiliated, and disrespected by an institution. I'm more hurt because this is the bank i liked the most out of all my banks. The customer service is very standoffish and they do not care. Not only that, security called me today for being frustrated with the rep on XX/XX/2023 yet they have yet to call me about the status of my claim, in which i haven't even received a follow up call or email. I am also making a police report. I just want my money back and to move on with my life in my new home this is absurd. This bank always advertises 0 fraud liability and at this point i am liable for being frauded.
Consumer complaint received 2023-02-09
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. (OH)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 XXXX
Consumer complaint received 2020-04-23
Product: Credit card or prepaid card — General-purpose credit card or charge 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: BARCLAYS BANK DELAWARE (CA)

My dispute is with Barclays Bank, XXXX XXXX. It concerns what I believe to be an erroneous payment for {$69.00} to XXXX internet services posted to my card by the Bank on my XX/XX/2020 statement. When I received my XXXX credit card statement, I recognized that the charge was an error and made multiple attempts to contact Barclays by phone. Unable to reach them because the company ( per their phone message ) wasn't taking any consumer calls. I then wrote them on their internet website, explaining why I believed the charge was an error and requesting they contact me by phone. The company has not contacted me in response to to my written online request. 

After writing Barclays, I entered a stop-payment order with my bank instructing them not to pay what I believed was an incorrect charge. However, when Barclays put the payment through a 2nd time in XXXX, the bank paid the charge together with penalties and interest fees. Barclays has still not attempted to contact me regarding this disputed charge I have never before dealt with a credit card company that was not accessible by phone to its cardholders. Such behavior is unacceptable by any reasonable standard.