davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-07
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. (LA)

MY NAME IS XXXX XXXX AND IM SUBMITTING THIS COMPLAINT BY MYSELF. THERE IS NO UNAUTHORIZED THIRD PARTY IN CONNECTION WITH THIS COMPLAINT. 

There are some Unauthorized/Fraudulent inquiries being furnished to my consumer report without my permissible purpose, which is a violation of the Fair Credit Reporting Act. No written instruction has been given to Experian to report these inquiries to my credit file. I have filed an Identity Theft Affidavit with the Federal Trade Commission & attached it to this complaint along with my Drivers License, Proof of my Current Address, & my Cover Letter listing each Fraudulent Inquiry. DO NOT ADD A FRAUD ALERT TO MY CONSUMER REPORT!
Consumer complaint received 2024-06-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (TX)

Twice Ive submitted full payments of the amount of {$3500.00} to Edfinancial and both times have been reversed even after the status of the payment has been set to accepted. Its really annoying cause I just want to pay for my loan and they are no help. Customer service said its because I dont cover the {$3500.00} in my XXXX XXXX but I clearly do. I just want this fix and your help would be really appreciated. This is a common issue with Edfinancial, they are making borrowers go through many problems just to pay back their loan.
Consumer complaint received 2024-06-07
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: Experian Information Solutions Inc. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-07
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: Experian Information Solutions Inc. (IL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-07
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: Experian Information Solutions Inc. (GA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2019-07-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (AZ)

XX/XX/2019 - Received letter from XXXX XXXX XXXX ( current mortgagee ) that our loan was sold to PHH Mortgage Funding. In lieu of receiving any confirmation or instruction about our XXXX mortgage payment, it was sent via electronic bank transfer to XXXX XXXX XXXX as always, and they confirmed receipt on XX/XX/XXXX. On XX/XX/XXXX, PHH called to collect our XXXX payment. We informed them it had been sent to XXXX XXXX. 
They threatened me by saying if they don't get XXXX, they will report to the various credit agencies. The call was an intimidation attempt with an inference that I was lying to them with their threats of collection action. We have an XXXX credit rating and have never, ever been late on a payment. It is a recurring automatic bill payment. Subsequent to that call we learned from XXXX XXXX XXXX that our payment was forwarded to PHH on XXXX by wire transfer. On XX/XX/XXXX, we got another collection call from PHH. On XX/XX/XXXX a call to their customer service confirmed that our payment had not posted, nor could they confirm receipt. We were assured it will be posted by XX/XX/XXXX, and will not be assessed any late fees. They are making us feel like deadbeats due to their own internal inefficiencies. Their collection tactics and customer service falls way below the standard of mortgage business practices.
Consumer complaint received 2024-06-08
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. (GA)

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

Account Name : XXXX XXXX XXXX Account Number : XXXX and 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 XXXX 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 2023-09-27
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

The credit card in question is owned by my wife with me as authorized signatory. On Monday, XX/XX/XXXX, my wife was the victim of an extortion scam. Someone called her and told her she would be arrested unless she paid a {$2000.00} cash bail. The scam caller would not let her hang up and call me, her husband. My wife only had our Capital One credit card in her possession. They coached her to call Capital One to inquire about a cash advance on our credit card. She only agreed to the cash advance terms and conditions under duress to avoid being put into jail. She then went to a local bank to conduct the cash advance with further instructions from the scam caller. After she obtained the {$2000.00} cash she was then instructed to go to Walmart to purchase a money order to then provide the caller with the code. My wife then realized the scam and hung up the phone before purchasing the money order. We deposited the cash into our checking account and paid back the cash advance the same day the transaction posted to the credit card. I have told this story to Capital One and they are aware that the cash advance was conducted as a result of an extortion attempt with my wife as the victim. Capital One refuses to refund the cash advance fee of {$60.00} knowing we, their customers, were victims of an extortion scam.
Consumer complaint received 2024-06-07
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. (GA)

Despite our previous attempts, I regret to inform you that these issues still persist on my record. I kindly request that you prioritize the investigation and removal of these discrepancies, ensuring that all necessary steps are taken to correct them in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. 
I understand that resolving such issues may take time and effort, but I urge you to handle this matter with the urgency and attention it deserves. Your assistance in rectifying these discrepancies is crucial to ensuring the accuracy and integrity of my credit information. The following items shoild be removed as soon as possible : XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XX/XX/2023 ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$6200.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$20000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$6600.00}.
Consumer complaint received 2024-06-07
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)

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A. 

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 
15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also, they aren't even in compliance with XXXX XXXX credit reporting. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX {$7500.00} XXXX XXXX XXXXXXXX {$2300.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX {$880.00} XXXX XXXX XXXX {$100.00} 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 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (GA)

My information was purchased or obtained on the dark web and used to open credit card accounts and cellular accounts. My information was also used to try obtain automobile loans and personal loans, Ive been fighting with companies non stop and had little to no luck. 

I will not continue to be a victim of identity theft and need this matter resolved immediately. 

I am protected by law 15 USC 1692g and hope and pray that these companies do the right thing.
Consumer complaint received 2019-07-25
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CITIBANK, N.A. (NY)

As I have documented in these attachments, my daughter was the victim of a fake check scam and Citibank did not employ its fraud protection tools when suspicious and unusual activity occurred on her account, but instead chose to use me as an insurance policy to minimize their financial liability. 
I was referred to your bureau by my NY State Assemblyman XXXX XXXX. 
A 14+ thousand dollar set-off was seized from my bank account after my daughters account to which I had been linked to, had on XX/XX/2019 an end of the day balance of XXXX  cents. After there were 5 sequential  daily {$9000.00} deposits that astronomically raised her average daily balance, there should have been a multitude of red flags raised that minimally would have reduced my degree of financial exposure. 
The system failed and Citibank was negligent in their ability to protect me from this unfortunate outcome. Others may have suffered the same wrongful fate and Citibank should be held accountable for NOT reforming their banking practices after they were forewarned by local law enforcement agents.
Consumer complaint received 2023-08-09
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EdFinancial Services (FL)

i sent XXXX XXXX and ED FINANCIALXXXX a letter on XXXX stating they are reporting and publishing inaccurate or incomplete information ( tradeline ) in your consumer reports allegedly concerning me. Your conduct has caused me a lot of distress and financially harmed me with out-of-pocket costs and loss of opportunity. My data has been comprised in a data breach because you have shared my nonpublic personal information with third-party agencies without my consent violating 15 USC 6801 . 

Your job was to : ( XXXX ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.

Since you violated 15 USC 6801 and cause my data to be compromised, I am requesting the following items to be delete from my consumer report from all three CRAs ( XXXX, XXXX, and XXXX ) within 15 days or I will turn this matter over to my attorney to sue for damages : XXXX XXXX XXXX XXXX ( {$290.00} ) XXXX XXXX XXXX XXXX XXXX {$240.00} ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-07
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. (TX)

I have lost count of the number of letters I have sent to your bureau regarding my status as a victim of identity theft, as my concerns have yet to be fully resolved. Once again, I am disputing the fraudulent information that is adversely affecting my credit file. Despite my submission of the required FTC complaint, your bureau continues to report this fraudulent account on my credit report. I want to emphasize that I have already contacted the company associated with this account, submitted the necessary documents, and had the account promptly deleted from their records. Moreover, other credit bureaus have already removed this account from their records following the submission of the FTC complaint. Therefore, I am curious about the verification process your bureau employed to continue reporting this fraudulent account. These are the accounts I want to be removed from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (TX)

My trust fund of XXXX XXXX XXXX  sent out a {$11000.00} check to ED financial on XX/XX/2024. They cashed that check on XX/XX/2024. ED financial is now claiming they have no idea where the check is and that is lost and we now have to do an investigation into this as they have told me they lost the check. However, they still cashed it! I have provided photographic proof to ED financial of the check that was sent. I am incredibly frustrated and ED financial is being not much help. Please help.
Consumer complaint received 2024-06-08
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. (GA)

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

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : Chapter XXXX Bankruptcy Account Number : XXXX and 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 XXXX 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 2023-11-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: M&T BANK CORPORATION (SC)

We were a customer of peoples bank with an account ending in XXXX established in the year 2000. 

Recently M & T bank took over. We have a checking account that monthly receives XXXX rent payments from tenants. In XXXX and XXXX M & T started rejecting our tenants rent payments but did not make us aware of the rejections. The tenants then had to notify me that their XXXX payments were being rejected. These are the exact same XXXX payments that come in with regularity each and every month from these tenants. 

I called M & T and inquired about this issue and they found no issues or fraud warnings assigned to our account that would cause this and subsequently lifted the block on our account so that the tenants could pay their rents. 

Then in XXXX XXXX M & T XXXX XXXX complete access to their online banking. No one could tell me why. I spoke with Customer service, the fraud department and they made me speak to the local Branch ( Branch inside XXXX XXXX XXXX in XXXX CT ) where I originally opened the bank account in 2000. The bank kept passing me around with out any resolutions. In total approx XXXX hours was spent on the phone with the bank including having to wait in the long queue for this fraud department. 

No one was able to help me but the local bank also has no active XXXX on site. A young woman did try and help me but stated the only way I could have access to my online banking was to come into a branch and physically hand my identification to a bank employee. They are fully aware of our residence because our mailing address on our account and which I confirmed with them is a South Carolina address 23 years we have had this bank account and have had XXXX incidents. We recently moved to SC from CT and I am not able to physically go XXXX of their bank Branches. I offered to answer any questions they might have as well as to provide a copy of my ID or do a phone/video call. None of this was acceptable and they refuse to allow access to my online banking. I have since closed my account but now have no access to any of the historical data and statements and will not have them available for tax season.
Consumer complaint received 2024-06-07
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. (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. 

Account Name : XXXX XXXX XXXX  Account XXXX Account Name : XXXX XXXX  Account XXXX 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 2024-06-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Credit Karma (CA)

I made a complaint to CFPB regarding my Credit Karma account. Credit Karma responded to this complaint and stated they would provide a provisional credit for the following dispute IDs were filed on your behalf : XXXX, XXXX, XXXX, XXXX, and XXXX totaling {$8000.00}. The account was closed and no provisional credit was ever issued. At this time I am requesting a check in the amount of {$8000.00} while I gather more documentation to support my claim as they have requested. This check can be mailed to the address on file of the closed account.
Consumer complaint received 2024-06-07
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. (CA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number:XXXX 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.