davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-24
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: Experian Information Solutions Inc. (AR)

I am urgently informing you that I am a victim of identity theft, resulting in numerous fraudulent accounts and inquiries being added to my credit report without my knowledge or consent. I am requesting immediate action to remove these inaccuracies. 

ACCOUNTS - XXXX XXXX XXXX - XXXX XXXX XXXX INQUIRIES- XXXX XXXX XX/XX/year> - XXXX XXXX XXXX XX/XX/year> I have filed an identity theft report with the Federal Trade Commission ( FTC ) and expect the prompt deletion of these fraudulent entries to restore the accuracy of my credit report.
Consumer complaint received 2024-10-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: EdFinancial Services (NY)

I submitted the complaint below approximately 2 months ago and still have not heard any updates from my student loan servicer. This is unacceptable as the interest continues to accrue on my loan without any resolution or update from my loan servicer. 

Original complaint from 2 months ago- I am currently on the SAVE plan and have been paying my necessary monthly amount, yet have run into two challenges that are not being addressed by my loan servicer. Challenge 1- According to the XXXX plan as long as the minimum monthly payment is made, the government subsidizes 100 % of remaining interest and thus the loan amount should not be increasing due to interest. I, however, have been noticing that interest has been accruing monthly since i signed up for the XXXX plan, despite my on time payments. XXXX XXXXXXXX to my student loan servicer, as changes are currently being made to the SAVE plan, I have been placed on a temporary forbearance period, during which there are no payments due, and according to the SAVE plan, no interest should be accruing during this time.I, however, am noticing that interest is still accruing despite being placed on a forbearance. In both points mentioned above interest is accruing when it shouldnt be and no communication is being given on how to fix the situation. I contacted my student loan servicer and mentioned the above two challenges that Im facing. I stated that 1. there should be no interest accrued/loan amount should not be increasing if monthly payments are made 2. during the current forbearance there should be no interest accrued. The agent I spoke to ( XXXX XXXX sounded confused as to why my interest is still accruing and after being placed on hold numerous times I was told that the program my servicer uses still accrues interest on my loans and that the government will adjust my interest accrual on a quarterly basis, which has still not happened. The agent I spoke to told me that I would get a call back later in the week with an update, however almost two months have gone by at this point, interest is still accruing and I have gotten no update from my loan servicer. This is completely unacceptable as my loan servicer should be held responsible in making sure the loan amount and interest accrued is accurate
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

These accounts have been showing up on my credit report for months, causing me a great deal of stress. All Im asking is for you to verify whether these accounts actually belong to me. The inaccuracies have been damaging my credit score and costing me financial opportunities, which in turn, holds me back from pursuing my dreams.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I sent disputes to XXXX, XXXX, and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 30 days and they have failed to respond. I am attaching copies of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2024-10-03
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I am sitting here with five letters from different companies where my information has been used to try to apply for credit cards. This happens often from different companies and I am trying to call to let them know this is fraud. How do I stop this from happening and does anybody do anything about this, I have applied for identity theft, and everything that I can to stop this, but it continues. My scores have dropped because all these are being applied to my score. Please help.
Consumer complaint received 2024-09-24
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)

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 2024-09-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (FL)

I opened an account and then they closed it after I funded it after wards they were rude and said they didnt have to give me my money back till they sent a check I later tried opening an account again after a year and they said that they made the decision to stop doing business with me in XXXX  even though I opened an account with them last year and are not giving me any reason or details as of why
Consumer complaint received 2024-10-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In the early part of XXXX, we were the victims of altered check fraud. A check we had issued ( Check # XXXX, dated XX/XX/XXXX ) was acquired by the perpetrator via theft, and the check was altered from its intended payee ( XXXX ) and intended amount ( {$170.00} ) to a fraudulent payee ( XXXX XXXX ) and fraudulent amount ( {$4800.00} ). The altered check was then submitted for deposit/cashing to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. The amount was deducted from our checking account on or around XX/XX/XXXX, which is when we became aware of the fraud. 

We immediately notified Bank of America, and the check was stopped, despite being deposited already ( see attachment XXXX ). At an in-person appointment on XX/XX/XXXX, to address the fraud and determine next steps ( see attachment XXXX ), we requested help from Bank of America to recover our stolen funds. The checking account had already been locked, and we were directed to communicate with the fraud department at Bank of America, via ( XXXX ) XXXX, which we attempted to do several times. Finally, on XX/XX/XXXX, we were directed to submit our request in writing ; we submitted the official request to have our funds returned to our bank account ( see attachment XXXX ), after receiving evidence that XXXX XXXX XXXX XXXX had returned the funds in full to Bank of America ( see attachment XXXX ). 

Inexplicably, we received a letter from Bank of America saying the claim was resolved and that they had issued a credit to our bank account on XX/XX/XXXX in the amount of {$4800.00} ( see attachment XXXX ). This was not true, as our account statements clearly show ( see attachment XXXX ). Our bank records and account balance had no record of this transfer, and we contested the letter by phone ; the associate we spoke to confirmed that no deposit had been made and said that a correction would be made right away. No correction was made. Since then, we have had phone conversations with associates at the fraud department, and they have repeatedly failed to return our funds to us, despite the fact that the fraudulent funds have been returned to Bank of America by XXXX XXXX XXXX XXXX. 

Dates of some phone conversations with representatives to the Bank of America Fraud department include : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I also had another in-person appointment at a local Bank of America branch XXXX XX/XX/XXXX. On each occasion, we were given different explanations for why the funds were not available. At times, Bank of America blamed XXXX XXXX XXXX XXXX, at times they acknowledged their own mistakes and promised to rectify them promptly ; most recently on XX/XX/XXXX, XXXX assured us that our funds would be deposited by the end of the day. 

At this point, we find no reason to trust that Bank of America will in fact return the money that is ours, and so we turn to the CFPB for assistance in resolving the issue.
Consumer complaint received 2024-10-02
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: EQUIFAX, INC. (GA)

I have made multiple attempts to contact XXXX, Equifax, and XXXX to have fraudulent information removed from my credit report. I am a victim of identity theft, fraud, and potential forgery committed by my son, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have submitted a police report confirming that I am a victim of these crimes, yet the fraudulent credit card from XXXX XXXXXXXX has not been removed from my report. This is a serious oversight on their part, considering I have provided proof of identity theft. 

Please assist me in rectifying this matter.
Consumer complaint received 2024-09-24
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. (NC)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-10-02
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: NAVY FEDERAL CREDIT UNION (AR)

I previously requested to recieve the settlement agreement and was told it would be sent over within 7-10 business days. I later found out the documents was never sent after calling about 7 days later. While on the phone they said they will make sure it gets sent over to my address ( which was correct on the system ) and I was told the same thing in terms of length. I called roughly the same amount of time later and they verified that it was sent out ( to this day I still have not recieved the requested documents via mail, however i recieved tons of statements and spam dated for after the request ). A few weeks later I had to pay out of pocket to recieve a fax of the document I had requested because that still had not mailed the document to my address. Immediately after I recieved the fax, I transferred over the payment required for the settlement of my account and this transaction finished on all ends on the XXXX of XXXX. I later found a mail dated for after the date the account was officially settled claiming that they sold my debt to another company. On this mail they provided incorrect contact information for the company and I had to call Navy federal multiple times to get more details about the transaction and the correct number for the company it was sold too. After I spoke with the company they said that navy federal mistakingly sold my account to them and that they sent it back. Durring my most recent call to navy federal they told me that I would have to wait untill they finish sending everything back to them before it would stop affecting my credit. I have been wanting to get this matter resolved swiftly since my very first request so my credit could become in good standing again. Because of navy federal poor service and mishandling of my account and information it could negatively effect my upcoming home loan causing undue financial stress on me and my wife. I believe that navy federal is in the wrong for the way they handled my account and information
Consumer complaint received 2024-08-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: EdFinancial Services (NY)

I am currently on the XXXX plan and have been paying my necessary monthly amount, yet have run into two challenges that are not being addressed by my loan servicer. 

Challenge 1- According to the XXXX plan as long as the minimum monthly payment is made, the government subsidizes XXXX XXXX of remaining interest and thus the loan amount should not be increasing due to interest. I, however, have been noticing that interest has been accruing monthly since i signed up for the XXXX plan, despite my on time payments. 

Challenge 2-According to my student loan servicer, as changes are currently being made to the XXXX plan, I have been placed on a temporary forbearance period, during which there are no payments due, and according to the XXXX plan, no interest should be accruing during this time.I, however, am noticing that interest is still accruing despite being placed on a forbearance. 

In both points mentioned above interest is accruing when it shouldnt be and no communication is being given on how to fix the situation. I contacted my student loan servicer and mentioned the above two challenges that Im facing. I stated that 1. there should be no interest accrued/loan amount should not be increasing if monthly payments are made 2. during the current forbearance there should be no interest accrued. 

The agent I spoke to ( XXXX ) sounded confused as to why my interest is still accruing and after being placed on hold numerous times I was told that the program my servicer uses still accrues interest on my loans and that the government will adjust my interest accrual on a quarterly basis, which has still not happened. The agent I spoke to told me that I would get a call back later in the week with an update, however almost two months have gone by at this point, interest is still accruing and I have gotten no update from my loan servicer. This is completely unacceptable as my loan servicer should be held responsible in making sure the loan amount and interest accrued is accurate.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I am writing to formally dispute inaccurate information on my consumer report. It has come to my attention that your agency is reporting information on my consumer report without my consent, thereby failing to apply maximum accuracy in accordance with your vital role in assembling and evaluating consumer credit information as stipulated in 15 U.S.C. 1681 ( a ) ( 3 ). 
Furthermore, I am aware that your company policy requires you to maintain written consent from me, the consumer, authorizing you to report any account on my consumer report. Federal law under 15 U.S.C. 1681b requires that you must have either court jurisdiction or a handwritten letter from me giving you permissible purpose to report such information. Your failure to adhere to these requirements constitutes a violation of my privacy. 
Additionally, as a financial institution, you are obligated to uphold maximum privacy of my nonpublic personal information pursuant to 15 U.S.C. 6801 ( a ), which states that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 
Moreover, I demand that your agency immediately cease and desist all illegal activities and all mediums of communication related to the collection of this alleged debt. Your persistent attempts to contact me at inconvenient times have caused significant disruption and damages, affecting my business hours of operation. I am fully aware that a medium of communication also includes my consumer report, and I demand the deletion of the account reported on my consumer report. 
I demand that your agency promptly investigate this matter and remove the inaccurate information from my consumer report. Please provide me with a written response detailing the actions you have taken to rectify this situation within 30 days of receipt of this letter. 
Failure to comply with these demands will leave me no choice but to pursue all available legal remedies to protect my rights and seek compensation for the damages caused by your actions.
Consumer complaint received 2024-10-01
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

When I learned that at the XXXX XXXX  XXXX I transferred from my XXXXXXXX XXXX  account XXXX into my Bank of America account towards the XXXX XXXX XXXXXXXX. I immmediately saw that my funds were not made available to me. I was advised to call the collection. agency and was transferred to them!!! I called Bank of America XXXX XXXX to retract my XXXX back into my IRA account. I was told I should see it back in my account XXXX business days. I was even given a ticket number. On XX/XX/XXXX I learned that my long term XXXX was approved thru XXXX and that I would be getting a direct deposit into my checking account at Bank of America however it would not be made available to me! I called department to department at Bank of America asking to please return that direct deposit they decided not to close, and give all of my XXXX money to an unethical debt collector. In fact I have attached the response from the debt collecting company Bank of America sent them my entire XXXX and failed to read the order.
Consumer complaint received 2023-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-09-24
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. (TX)

I have identified inaccurate information on my credit report that has not been corrected despite multiple disputes submitted to XXXX, Experian, and XXXX. The information reported is incorrect, and the credit bureaus have continued to verify it as accurate without conducting a thorough investigation, which is required under the Fair Credit Reporting Act ( FCRA ). This failure to investigate properly and correct the inaccuracies violates sections 611 and 607 of the FCRA, which require that only accurate and verifiable information be included on credit reports. 

I have attached documentation proving that the information is inaccurate, and I am requesting that this information be removed immediately. The continued reporting of false information is detrimental to my credit and represents noncompliance with federal law. I expect this matter to be addressed promptly and for my credit report to be updated accordingly.
Consumer complaint received 2024-09-24
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. (MD)

i am writing to formally dispute an inaccurate charge-off entry on my credit report under my account number XXXX. According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure maximum accuracy of all information reported. The charge-off reported by XXXX XXXX is inaccurate. 

I request that an investigation needs to be completed and remove the charge-off from my credit report, if it can not be verified as accurate. Please provide me with the results within the time frame required by law. 

Thank you for your prompt attention to this matter
Consumer complaint received 2024-09-24
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: Experian Information Solutions Inc. (CA)

Applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them, resulting in my credit report being pulled up by these companies and hurting my credit score. I have contacted the bureau and a representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.