davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-24
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. (WA)

I was looking at my report and notice there were still some things that was not correct. I sent a letter to Experian, but it has been more than several weeks, and Experian still hasn't responded to my letter. That is surely a violation of 15 USC 1681i ( a ) ( 1 ) ( A ) Under 15 USC 1681i ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether he disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before he end of the 30-day period beginning on the date on which the agency receives he notice of the dispute from the consumer or reseller.
Consumer complaint received 2022-11-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (AR)

MOHELA claims to be having my loans transfered, but months have gone by, and XXXX says they have received no requests. 
MOHELA has nothing in my account to indicate that I have applied for PSLF more than once. 
I applied for PLSF in XXXX and have followed up for 10 months with few answers. I spoke with XXXX on the advocacy team on XX/XX/22 and was told my application issues would be reviewed. He gave me a number to connect me directly to the advocacy team. When I tried to follow up, it was a non working number. XXXX I applied in XXXX. I spent months calling MOHELA and was finally told this summer that XXXX did not transfer my account, because they failed to verify my current employer of 13 years ( though it was on the application ). Instead of verifying it, they transferred it in XXXX so MOHELA would have to do it, but it still had not been processed at all and never showed on my account. I applied several more times to MOHELA starting in XXXX. There is still absolutely no record that MOHELA has received my application. It just says my loans are in good standing on the MOHELA site. After many, many calls, I spoke with XXXX who said that XXXX had my loans recorded as still being with XXXX XXXX. In reality, XXXX transfered my application to MOHELA and my loans to XXXX. He said they would review the application and get it moving. I never heard another word and can not get in touch with anyone at all. None of their published numbers actually work. They just have 15 minutes of recordings and then hang up on you. I'm ten months into my application and can not get any help or answers, and I'm being given false contact information. 
I call every week and no progress is made toward moving my loans. There is no way to monitor the pending application. My account has been blank for months. They have not even acknowledged the applications they say they have received.
Consumer complaint received 2024-09-28
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. (FL)

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 XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX and list of Inquiries. 

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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (OH)

I bank with Chime bank account, an online bank. On XX/XX/XXXX at XXXX there was a transfer for {$1000.00} from my savings to checking account then made from my checking account to someone else by a pay anyone transfer it says for me I noticed the next day and called immediately after I saw it to file a dispute, it was around XXXX on XX/XX/XXXX. The next morning, XX/XX/XXXX, at XXXX I received an email saying that the investigation was Over no error was found. I called right back and said I need it te investigated, look into it more this has to be a mistake. I also asked for all transfers on my account to be blocked for the time being, which I was told was not possible. I filed the dispute, sent in any emails from them I had, and every time they replied no error found On XX/XX/XXXX at XXXX {$2000.00} was transferred from my savings to checking a account, then a {$1000.00} transferred by the pay anyone transfer to the same person. This time for rent I called back immediately the next morning, again filed disputes and got the same reply, no error found I changed my email and password again, ordered a new card, blocked the person this money is being transferred to, kept reopening the disputes and they kept closing them shortly after with the same reply. I called and spoke to many people with no help. Emailed them and sent in whatever screenshots I could, let them know that I would not even pay somebody for rent as it comes right out of my paycheck form my job because I work in the leasing office of an apartment building. I always got the same reply. I started giving up and just trying to move on, I figured I just lost the {$2000.00} and had to keep going. 
Now on XX/XX/XXXX at XXXX, months later, I notice ANOTHER TRANSFER for {$2000.00} from my checking to savings account, then again the pay anyone transfer for {$2000.00} to the same exact person. I noticed it when I got back from a weekend trip to West Virginia. I called immediately that morning. Said I need that disputed along with my previous two reopened, they said they. Oils not reopen the last two but can dispute the most recent one. I spoke with a supervisor and pleaded my case to her, something had to be able to be investigated more, I need all three reopened and something done. This is {$4000.00} in 3 months, that is not right. After my cases were reopened I got the same reply shortly after, no error occurred. I feel as I am not being takin seriously or anything looked into at all. I have asked about any options we have to secure my account and how to prevent this from happening as well as how can I get my money back. I have submitted police reports and any documents they asked for, and every time after every dispute a couple hours later no error found something had to be done about this.
Consumer complaint received 2024-09-28
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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear Equifax, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 16811 ( 7 ). I put in a requested a description of the reinvestigation and they did not provide it to me which is a violation of 15 USC 1681 ( 7 ). I also have no association with these accounts you blatantly ignored my FTC report you are violating my federally consumer protected rights.

Under Section 15 USC 16811 ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. 

- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Provide the description of the procedure of the investigation used to verify these accounts if you cant, delete the accounts immediately. Failure to do so will result in me contacting the attorney general and filing a law suit. 

15 USC 1681s-2 according to ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate.

Also I got the investigation back but noticed some of the accounts were not modified or updated. According to 15 USC 1681 ( 5 ).

These accounts are incomplete and not accurate. Not belonging to me. According to the fair credit reporting act. 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. 

Delete these accounts immediately because of violation of 15 USC 1681i ( a ) ( 1 ) ( A ), 15 USC 1681s-2, and 15 USC 1681 ( 7 ). Delete these accounts because they dont belong to me multiple violations. These accounts have violated my federally protected consumer rights. 

XXXX XXXX XXXX : XXXX CORRECT ALL PERSONAL INFORMATION YOU FAILED TO EVEN DO THAT LAST INVESTIGATION! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Yes it is me disputing no one is representing me at this time.
Consumer complaint received 2024-10-24
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. (AL)

After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2017-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OK)

Family Member ob tained loans fraudulently, has subsequently been   XXXX   and is   XXXX   XXXX   XXXX   term for the crime. Despite numerous submissions of documentation to support this, creditors and credit reporting agencies continue to report inaccurate information causing severe damage and undue hardship with expenses related to higher rates and premiums. Unable to afford further legal fees - desperately seeking resolution.
Consumer complaint received 2024-09-28
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. (PA)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2024-10-04
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: TD BANK US HOLDING COMPANY (NY)

I entered into a variable heloc with TD Bank in XX/XX/XXXX. I was told that I could fix the rate by calling a representative at XXXX XXXX XXXX. After fixing the rate, I continued to make consistent payments and when I learned of the prime rate dropping 50 basis points in XXXX of XXXX, I called TD to see if I could refinance to a lower rate. Instead, I was told that the fixed rate option offered by TD for their heloc is not tied to the prime rate and that my actual rate in XX/XX/XXXX would be higher than when it was in XX/XX/XXXX when I entered into the heloc. My complaint is about the lack of disclosure to me that the fixed rate was not tied to prime. If I knew this information, I would have made different considerations before entering into a heloc with the bank. I also do not think its appropriate for the rate of the fixed rate product to be determined by the bank and not tied to any reference rate ( i.e., index ).
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: Experian Information Solutions Inc. (LA)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2024-10-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (CA)

On or around XX/XX/year>, I attempted to make a payment to my landlord via XXXX for {$1900.00}. The transaction was declined and I promptly followed up with my landlord who informed me that he does not have a XXXX account. The funds in the amount of {$1900.00} were later pulled from my account, without my authorization for a second transaction. I followed up with Chase who denied an initial claim for fraudulent activities, despite the fact that I never authorized a second payment attempt be made. Chase then denied a second claim for courtesy recovery of funds. Stating that they can see the information regarding the transfer of funds, the institution it was sent to, and the account. But due to their agreement with the other entity are unable to disclose the information or make further attempts to recover my funds. While this is occurring Chase encouraged me to also follow-up with XXXX, who noted that they have no ability to access or track the transaction due to privacy associated with my banking institution. However, that since the receiving party does not have a XXXX account the funds should be refunded to me in 14 days. Countless time spent back and forth, being sent in circles between Chase and XXXX, with no resolution. Despite the fact that I did not authorize a second transaction attempt and Chase is able to track the transaction, they are still unwilling to take the necessary steps to recover my funds on a transaction that was not authorized. Citing their binding agreement with the other banking entity and that I waived my protection rights by using XXXX. Nor is there an account for the recipient I was attempting to send the funds to, which clearly identifies the recipients name and corresponding telephone number. So despite the fact that Chase can track the transaction and has all the identifiable information, they are still unwilling to take the necessary steps to protect their consumers.
Consumer complaint received 2024-09-27
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to formally dispute inaccurate information contained in my consumer report, as provided by your agency. This request is made pursuant to 15 U.S. Code 1681c, which outlines the requirements for the exclusion of certain types of information from consumer reports.

According to 15 U.S. Code 1681c, consumer reporting agencies are prohibited from including the following items of information
in consumer reports : Cases under title 11 or under the Bankruptcy Act that are more than 10 years old.

Civil suits, civil judgments, and records of arrest that are more than seven years old or beyond the statute of limitations, whichever is longer.

Paid tax liens that are more than seven years old.

Accounts placed for collection or charged to profit and loss that are more than seven years old.

Any other adverse item of information, other than records of convictions of crimes, that is more than seven years old1.

I believe that my consumer report contains the following inaccurate information that should be excluded under these provisions : [ Describe the specific inaccurate information, such as outdated bankruptcy cases, old civil judgments, etc. ] [ Provide any evidence or documentation that supports your claim of inaccuracy. ] I request that you immediately investigate this matter and remove the inaccurate information from my consumer report. Additionally, I request a written confirmation of the actions taken to address this issue.

Failure to address this issue promptly will result in a formal complaint being filed with the appropriate regulatory authorities, including the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ).

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying computer science, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX which falls under XXXX according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and would like for all listed accounts to be blocked and deleted company information from XXXX and TransUnion. 

Please delete the following accounts : XXXX XXXXXXXX Account Number : XXXX Balance : {$3600.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  ) Account Number : XXXX Balance : {$3400.00}
Consumer complaint received 2024-08-21
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. (MD)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-10-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.