davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Capital one lied said I sent a cease and desist letter I never did, I had know reason to I paid off my credit card on time. On XX/XX/XXXX I talked Capital one person who said he had know information on a cease and assist letter sent. Capital one sent a attachment pd though the CFPB that want open at all.
Consumer complaint received 2024-10-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

On XX/XX/2024, I deposited a check for {$80000.00} into my Bank of America account. I was not informed at the time of deposit that a hold would be placed on the check, nor was I provided any notification about the hold in a timely manner. When I checked my account online, I discovered that a hold had been applied to the deposited funds. This hold was neither disclosed upfront nor explained by the bank when I deposited the check. 

I waited XXXX days and contacted Bank of America on XX/XX/2024, to request that the hold be lifted. A representative informed me that she had spoken with the Risk department and that they had agreed to remove the hold. I was instructed to check my account throughout the day for confirmation. Despite her assurance, the hold was not lifted, and the funds remained unavailable. When I contacted the bank again later that day, I was told that the hold was still in place and that the representative from earlier had misrepresented the situation, essentially lying to me. 

As a result of this misrepresentation and delay, I have incurred financial damages in the form of additional interest charges on a high-interest debt I owe to Bank of America XXXX The funds from the check were withdrawn from the issuing account on XX/XX/2024, and should have been made available to me by now. 

I believe Bank of America 's actions have violated the following regulations : Regulation CC ( Expedited Funds Availability Act ) : Bank of America failed to provide timely notice of the hold on my funds, which is a requirement under XXXX ( g ). Additionally, the prolonged hold may exceed the reasonable hold period under XXXX, as the funds have already cleared the issuing account. 

Unfair, Deceptive, or Abusive Acts or Practices ( XXXX ) : The bank 's representative provided false and misleading information regarding the status of the hold, causing me direct financial harm. This misrepresentation constitutes a deceptive act in violation of Section 1036 ( a ) ( 1 ) ( B ) of the XXXX XXXX XXXX XXXX and Consumer Protection Act. 

Requested Resolution : Immediate release of the {$80000.00} deposit. 

Reimbursement of all interest charges incurred as a result of the delayed access to my funds. 

An investigation into the bank 's practices regarding hold notifications and misrepresentation of information by customer service representatives. 

I am currently limiting my claim to the additional interest charges I have incurred but reserve the right to pursue further damages if this situation is not promptly resolved. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MD)

Mohela moved several of my loans out of the SAVE Plan and refuses to fix it. 

On XX/XX/XXXX I was notified via email that my repayment schedule had changed ( notice attached ). Nine ( 9 ) of my loans ( # 1-13, 1-12, 1-11, 1-10, 1-09, 1-08, 1-07, 1-06, 1-05 ) were now setup on a Level Repayment Plan and that my first payment was due XX/XX/XXXX. I contacted Mohela on XX/XX/XXXX to inquire why my loans had been moved to a new payment plan since I was approved for the SAVE Plan back in XX/XX/year>. 

After several minutes of holding while Mohela researched the issue, I was finally told by the representative that during Mohela 's transition to a new online platform somehow my loans were accidently moved out of the SAVE Plan. The representative confirmed that I still had eligible time left on the SAVE Plan. Next, the representative said that they could not move my loans back into the plan because of the pending court case and injunction. I explained to the representative that is solely their error and this is denying me of any forbearance that I am eligible for under the SAVE Plan or other benefits while the legal case is pending. The representative stated that the only option was to apply for an administrative forbearance that lasts only two months. As a result, during this time I will continue to accrue interest unlike those borrowers who are under the SAVE Plan who were automatically placed in a forbearance without interest being accrued.

I have attached communication from Mohela stating that the loans referenced above was under the SAVE Plan before Mohela transitioned to a new business platform and I have attached the notice from Mohela stating that my loans had been moved to a level repayment plan.
Consumer complaint received 2020-01-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Data Systems, Inc. (GA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2023-04-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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 2024-10-31
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc. (MD)

I sent out a Debt validation letter to my student loan holder. I sent out my debt validation letter on XX/XX/XXXX, XXXX.I never received a letter back its been 90 days. This debt does not belong to me, so it should not be on my credit report. I have 6 loans on my account each with different amounts the amounts are {$3200.00}, {$1900.00}, {$1900.00}, {$3600.00}, {$790.00}, and {$140.00}. I have no acknowledgment of these accounts. I have reached out to each credit bureau XXXX, XXXX, and XXXX. I reached out to each credit bureau on XX/XX/year>. I also sent the 3 credit bureaus debit validation letters on XX/XX/year>.
Consumer complaint received 2024-09-16
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)

I sent out numerous of letters on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Re : Method of verification Highly Requested Under 15 U.S.C. 1681i ( 7 ) Method of verification As a consumer I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 usc ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. 
Please send the following information used to validate the validity of the invalidated items below Items Highy Requested 1. The name of the original creditor 2. The creditors address and telephone number 3. The persons name they verified the dispute with 4. The documentation original contracts used to validate the dispute.

5. Also the procedures your company have in place to ensure each account is 100 % correct which i doubt..

In accordance with FCRA,15 U.S. Code 1681e ( b ) Compliance procedures I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. if you fail to comply with this request and send all documentations that prove you seen and were sent valid documentation to say these items are 100 % accurate you will be held liable under 15 U.S. Code 1681n and 15 U.S. Code 1681o Civil liability for negligent noncompliance I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, and pursue legal action. 
Sincerely,
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, has violated my rights. 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 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.
Consumer complaint received 2023-04-25
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (PA)

On today XX/XX/2023 I received a return call from Carrington Mortgage Representative XXXX XXXX ( XXXX XXXX XXXX Ext. # XXXX ) in reference to them taking over my mortgage from XXXX XXXX, transferring and refinancing the mortgage. Now prior to this conversation Mortgage Representative XXXX XXXX assured me that everything was going to work out fine. However he actually tried to sweet talk me into a Ponzi Scam. Because the moment I mentioned that I has a Real Estate Attorney who can possibly assist if needed. He hung up the phone then after me trying to reach him back he mysteriously calls me back. Then he kept playing the stupid games by pretending he knew absolutely nothing about my current residence currently being in foreclosure and lied claiming that I told him that my residence was a duplex. And had to actually repeat this to him several times and he also stated that he can have {$30000.00} in my account real soon. Eventually things went sour and he stopped receiving my calls.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

XXXX XXXX, XXXX : XX/XX/XXXX : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 mobile phone account opened at XXXX XXXX on XXXX, XXXX under the account number ( XXXX ) with a balance of ( {$3200.00} ), a collections account opened at XXXX XXXX XXXX ( Account Number : XXXX ) on XX/XX/XXXX with a balance of ( {$480.00} ), a collections account opened at XXXX XXXX XXXX ( Account Number : XXXX ) on XX/XX/XXXX with a balance of ( {$2200.00} ), XXXX XXXX XXXX ( Account Number : XXXX ) on XX/XX/XXXX with a balance of ( {$720.00} ), HARD INQUIRY from XXXX XXXX XXXX on XX/XX/XXXX. 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 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 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I request your assistance with the incorrect account being shown on my credit report. This situation has harmed my reputation, and I depend on your help. The improper management of my credit report has led to serious damage to my reputation. Please remove the incorrect details from my credit report promptly.
Consumer complaint received 2024-09-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc. (GA)

I am writing to address a problem with unauthorized charges on my credit card. Between XX/XX/2024, and XX/XX/2024, my credit card was billed {$16.00} on multiple occasions by an app. Despite reaching out to XXXX for assistance, they have declined to issue a refund or resolve the issue. I did not approve these charges and I am seeking a prompt resolution to this matter.
Consumer complaint received 2024-07-23
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: OneMain Finance Corporation (MD)

One Main Financial XXXX XXXX XXXX XXXX has refused report to XXXX, XXXX, and XXXX to CLOSE my trade line to state, that I paid my settlement in full as agreed already.
Consumer complaint received 2024-11-06
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (WA)

SUNRISE XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX, NY XXXX This is a collection agency reporting that I owe XXXX XXXX mobility {$310.00}. I have called XXXX XXXX XXXX multiple times on this issues and Im current on my bill. I have never had a past bill amounting to {$310.00}. And they log every time they call me for any issues, none reported via XXXX XXXX XXXX. This agency has by far some of the worst review with multiple people reporting the same issue - them claiming they owe mainly XXXX XXXX XXXX XXXX XXXX XXXX XXXX has nothing on their end. And they are by far some of the rudest people to speak to. They gave me fake account numbers that have never been my account number.
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Subject : Formal Complaint Regarding Credit Bureau 's Failure to Perform a Re-Inquiry of My Credit Report at : XXXX XXXX XXXX Dear XXXX : I am writing to file a formal complaint regarding a critical issue with the process for re-inquiring my credit report as required by the rules outlined in 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ). The credit bureau has not removed a late payment from my XXXX XXXX XXXX account, despite my taking steps to correct this incorrect information. 

I recently disputed the presence of a late payment on my XXXX XXXX XXXX account, which has been negatively affecting my credit history. Under the Fair Credit Reporting Act, I have a right to an accurate and fair credit report. Following my dispute, the credit agency was required to conduct a new investigation into the matter and ensure that any inaccuracies are corrected immediately.

I request the Consumer Financial Protection Bureau to urgently investigate this matter and ensure that the credit agency complies with the standards stipulated by law. I request prompt action to rectify this error and restore the accuracy of my credit report. 

Attached to this letter are supporting documents relevant to my case, including copies of correspondence with the credit agency and XXXX XXXX XXXX. I appreciate your attention to this matter and look forward to a prompt resolution. 

Thank you for your prompt assistance in this regard. 

Sincerely, XXXX XXXX XXXX.
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Subject : Formal Complaint Regarding Credit Bureau 's Failure to Perform a Re-Inquiry of My Credit Report at : XXXX XXXX XXXX Dear XXXX : I am writing to file a formal complaint regarding a critical issue with the process for re-inquiring my credit report as required by the rules outlined in 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ). The credit bureau has not removed a late payment from my XXXX XXXX XXXX account, despite my taking steps to correct this incorrect information. 

I recently disputed the presence of a late payment on my XXXX XXXX XXXX account, which has been negatively affecting my credit history. Under the Fair Credit Reporting Act, I have a right to an accurate and fair credit report. Following my dispute, the credit agency was required to conduct a new investigation into the matter and ensure that any inaccuracies are corrected immediately. 

I request the Consumer Financial Protection Bureau to urgently investigate this matter and ensure that the credit agency complies with the standards stipulated by law. I request prompt action to rectify this error and restore the accuracy of my credit report. 

Attached to this letter are supporting documents relevant to my case, including copies of correspondence with the credit agency and XXXX XXXX XXXX. I appreciate your attention to this matter and look forward to a prompt resolution. 

Thank you for your prompt assistance in this regard. 

Sincerely, XXXX XXXX XXXX.
Consumer complaint received 2024-09-15
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. (NC)

Why until now these negative accounts are still here it's been a while since I've done this I have filed a complaint with the ftc for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as soon as possible.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

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 the 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 the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXXXX/XX/XXXX
Consumer complaint received 2015-07-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (VA)

There is a collection account with XXXX for {$140.00} that was removed from my credit report, however it reappeared under another collection agency last month and as a result my score dropped. The other bureaus apparently was able to disseminate this information and it was not added ; however Experian did. Over the last few years I have noticed out of all the bureaus they are by far the most INACCURATE. As a result I have had several disputes with them over the years in efforts to clear erroneous information but despite my efforts this continues to be an ongoing battle.