davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-01
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

Kohls Capital One was suppose to defer all payments when I became XXXX  from the XXXX XXXX. This company went forward and accumulated a late payment history and then charged off my account. This was 100 % illegal during the Pandemic relief period. I eventually p [ aid the account if full including all fees in XX/XX/year>. However, in all fairness the account should be deleted permanently, or at the very least the payment history should be removed. DELETE THIS ACCOUNT PERMANENTLY!!!
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: MOHELA (NV)

I am filing again a complaint against XXXX for failing to investigate and address a dispute I submitted regarding an inaccurate account on my credit report. My initial complaint was submitted on XX/XX/year> with reference number XXXX, but it has been closed without a proper resolution. 
The disputed account is MOHELA XXXX, this account is inaccurate because it is paid off and closed, I provided proof of this inaccuracy on my previous complaint ( see enclosed ) XXXX closed my complaint claiming they investigated the validity of the account with the furnisher and that they noted my dispute on the report. However, this is inaccurate! My credit report still reflects no remarks regarding the dispute I filed. There is no explanation provided about the alleged investigation into the account 's validity. 
While they state there is " no negative reporting, '' this does not address the core issue of the account 's legitimacy. 
These actions by XXXX continue to violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically : Section 611 ( a ) ( 1 ) : XXXX failed to conduct a reasonable investigation into the disputed information after I submitted a complete dispute with supporting documentation. 
Section 611 ( d ) ( 2 ) : XXXX did not provide me with a clear and concise explanation of their investigation results. 
I request that CFPB have XXXX take the following actions to resolve this very frustrating and costly issue : Conduct a REAL thorough investigation into the disputed account 's validity, considering the proof I provided. Update my credit report to accurately reflect the disputed account 's status and remove it as it is CLOSED PAID OFF! Including a clear notation of the dispute. Provide me with a written explanation of the investigation results and the basis for any decision regarding the disputed account. 
View Attached Documents : Proof of My Latest Credit Report ( showing the disputed account ) Copy of My Initial Complaint to XXXX ( with reference number ) Proof of Dispute ( copies of documents you submitted with the initial complaint ) Thank you for your time and attention to this matter. I look forward to a prompt and fair resolution.
Consumer complaint received 2023-02-26
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: DISCOVER BANK (NJ)

I am responding to the previously two inter-related complaints XXXX and XXXX regarding a fraudulently applied for and maintained Discover credit card ( account XXXX ) in my name, that occurred while I was XXXX on income tax related charges within the State of New Jersey and XXXX XXXX XXXX. 

First, Discover Financial Services exceeded the 30 requirement for responding to both your office and me. My complaint to Discover Financial Services was made in XX/XX/XXXX. My request for your intervention was made in XX/XX/XXXX. 

Secondly, the account information submitted by XXXX, at the Discover Office of Customer Advocacy only proves to substantiate my complaint that a Discover credit was in fact opened in my name and maintained in my name using my former address, however I was not at my home address and I was unable to remit payments on this credit card, because I was XXXX  in both the New Jersey XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. 

Not only did Discover exceed the 30 day requirement for responding, but it responded with information showing that someone, other than me opened the credit card account. 

Furthermore, this Discover credit is incorrectly being reported on my credit reports an active account when the account was closed in XXXX. My credit score is now incorrectly being reduced with an erroneous credit reporting from a credit card fraudulently opened and maintained and still being reported as an current debt, when the credit card was closed and written off in XXXX. 

I request your intervention under the Fair Credit Reporting Account of motivating Discover Financial Services to remove this incorrect information from my credit reports. 

Thank you in advance for your attention to my request. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-07-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (UT)

I opened my bank account in XX/XX/XXXX. Unfortunately, my card was stolen in XXXX, and unauthorized transactions began appearing on my account in early XXXX. I noticed these suspicious charges immediately. 

On XX/XX/XXXX, I realized that my online banking account had been compromised, prompting the bank to shut down the account and issue me a new one. In response to the fraudulent activity, I filed a fraud claim on XX/XX/XXXX, for approximately {$3300.00}. 

However, on XX/XX/XXXX, the bank denied my fraud claim, citing reasons related to my transaction history, location, and spending patterns. This decision was surprising and frustrating, particularly because I do not reside in XXXX, where the unauthorized transactions originated ; I live in XXXX. 

To further complicate matters, XXXX days after the denial of my fraud claim, the bank closed all of my accounts. Additionally, there were {$23000.00} worth of deposits into the compromised account, and my year-to-date spending was {$13000.00}. 

This series of events has caused significant inconvenience and financial disruption, and I am seeking further assistance to resolve these issues.
Consumer complaint received 2024-07-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MO)

My name is XXXX XXXX ( account number XXXX ) and I have a federal student loan with MOHELA.My balance on loan keeps increasing daily by couple of dollars .As of XX/XX/year>, the balance was XXXX .Yesterday on XXXX XXXX the balance was XXXX XXXX .On Saturday XX/XX/XXXX the balance was XXXX is it possible that my balance keeps increasing on daily basis by couple of dollar? It is impossible to keep up with it!
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT. 

XXXX YOU FURNISHING INACCURATE INFORMATION TO THE CONSUMER REPORTING AGENCIES. 

The Reporting of this Account as a Debt is Inaccurate.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies U.S. Code ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 


The

Reporting of this Account as a Debt is Inaccurate. THE LEGAL DEFINITION PER THE IRS DEFINES A CH
ARGE OFF AS INCOME. 
INCOME DOES NOT GET REPORTED ON A CONSUMER REPORT. 



XXXX CONTINUES TO VIOLATE MY RIGHTS BY REPORTING GROSS INCOME AND ORDINARY INCOME ON THE CONSUMER REPORTING AGENCIES BREAKING THE LAW. THIS ACCOUNT IS A " CHARGED OFF '' THE LEGAL DEFINITION PER THE IRS DEFINES A CHARGE OFF AS INCOME. 
THE REPORTING OF THIS ACCOUNT AS A DEBT IS INACCURATE. 
THE IRS STATES CLEARLY THAT ANY GROSS INCOME OR ORDINARY INCOME CAN NOT BE REPORTED INTO A REPORT BY ANY FURNISHER OR CREDIT REPORTING AGENCY.A CHARGE OFF IS GROSS INCOME PER THE IRS. DELETE THESE ACCOUNTS MENTIONED IN THE COMPLAINT ASAP AND I'M REQUESTING {$1000.00} PER EACH VIOLATION. XXXX XXXX XXXX XXXX. XXXX Continues to Violate multiple laws from Congress 15 U.S. Code 1681a ( 2 ) ( a ) ( i ). CHARGED OFF is considered a certificate of indebtedness per the IRS and income can not be reported making The Reporting of this Account as a Debt is Inaccurate. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORTS BY LAW AND By Definition PER the IRS Clearly says a Cancelled debt or Charge off is Income. ADDITIONALLY THE LAW CLEARLY STATES Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report DOES NOT include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( XXXX, ) making the report. 

ADDITIONALLY I never received a 1099-C FROM for the cancelled debt. XXXX is writing off debt with the IRS years Ago WITHOUT sending out 1099-C as required by the IRS for debts greater than {$600.00}. This is ILLEGAL. 


You are hereby put on notice that you are reporting incorrect inaccurate information. 

DELETE THIS ACCOUNT.
Consumer complaint received 2024-07-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (MN)

Mohela has not issued an overpayment refund of XXXX for at least three months. Mohela states that they issued the funds but can not identify an account it was placed in or a date received. I have not received any amount of money back. I have been told accounting will fix the issue and return the XXXX for the last three months without success. I do not receive call backs or escalation to accounting when I call. I frequently receive excuses stating that a work order has not been issued, however I have been calling multiple times and have been told they have started work orders for this issue. 

The date they state the refund is issued is XX/XX/year>, but they have no information on file of how the refund was issued such as paper check or direct deposit insinuating that the payment went no where as I have not received it. I have called many times over the last three months without success spending over 1 hour on the phone each time.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I was a victim of identity theft and I am currently in distress and suffering from XXXX because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.
Consumer complaint received 2023-06-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (GA)

Dear CFPB, I made an online purchase on XX/XX/XXXX from XXXX for some tires. My total was {$120.00}. XXXX never did fulfill my order and I have been unable to get a refund from them. I have numerous email 's between XXXX and myself, with them always promising that the merchandise would ship soon. After several back and forth with the company, I decided to dispute the charge with Chase Bank as I used my debit card to pay XXXX. I called and verbally disputed the transaction with Chase on XX/XX/XXXX. They sent me a letter dated XX/XX/XXXX stating that there investigation was that the charges were valid. Perplexed on how they could come to such a conclusion, I sent them a letter by certified mail appealing that decision and sending them copies off all the communication between XXXX and myself. I mailed the letter on XX/XX/XXXX and it was delivered on XXXX XXXX, XXXX. I have yet to hear back from Chase about my appeal. 

I wish for the CFPB to contact Chase Bank and to help me recover my {$120.00}. 

Thank you. 

XXXX XXXX
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have submitted multiple requests, via certified mail, to TransUnion trying to get them to correctly update their error in what has been reported on my credit report. I have sent multiple certified letters dated as follows : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : All certified letters were indeed signed and picked up by TransUnion, including proof of TransUnion 's error. TransUnion replies and states the same letter, without doing any investigation as requested by me, every time that the letter received isn't mine and will not proceed to correct their error. All my certified letters included the nature of the Two disputes. First dispute : dispute on XXXXXXXX XXXX ( update the XX/XX/XXXX report to current ; not 30 days late ), account number ( # XXXX ), months ( over 30 days late in XX/XX/XXXX ) to be corrected. Second dispute : dispute on XXXX XXXX XXXX ( update the XX/XX/XXXX and XX/XX/XXXX report to current ; not 30 days late ), account number ( # XXXX ), months ( over 30 days late in XX/XX/XXXX and XX/XX/XXXX ) to be corrected. I have included my driver 's license, a copy of a current bank statement with my current address, and the documents to correct the error. This has cost my time, and money, and has damaged my credit score which has caused a serious financial loss in obtaining any loans, purchasing a house or property, and vehicles. This is a TransUnion error, that has greatly caused financial loss and a much higher interest rate that has and is still putting me at a grave financial cost due to TransUnion 's error. This is still going on after, in total, seven certified letters, with the same updated proof to TransUnion. Please help me in this matter. This TransUnion error has, in addition to others, cost me not to get an education loan to improve our education, improve income, help my community, and be financially secure ; in not getting loans with much lower interest rates, I am still paying for due to TransUnion lack of providing me what the law states, but TransUnion refuses to follow.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I was a victim of fraudulent activity and have researched how to remove the fraudulent items from my report. I need to file an identity theft report with the Federal Trade Commission at https : //www.ftc.gov. According to FCRA Section 605b, Credit Reporting Agencies must remove any items listed on an identity theft report with reference number XXXX. Attached are documents to assist in removing the accounts and erroneous personal information posted to my report. Here is the list of items opened without my permission : TransUnion : XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$5500.00} XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$5500.00} XXXX : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$5500.00}. According to FCRA Section 605B ( a ), Credit Reporting Agencies must remove such items within 4 business days of receiving the request.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND)

Documents got stolen in XX/XX/XXXX. I noticed a couple of hard inquiries l dont recognize. 
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
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Millco Management (SC)

Amerifinancial Solutions has inaccurately reported on my consumer credit report. It shows the account was opened on XX/XX/year> which is incorrect. The balance is reflecting {$920.00}, which is incorrect. I have sent letters expressing that they have violated my XXXX rights. The fact that this was from the emergency room, they have violated my rights. I am allowed under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the XXXX does allow the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request was twofoldvalidation of debt and XXXX authorization. I demanded they provide me with a breakdown of fees including any collection costs and medical charges, provide a copy of my signature with the provider of service to release my medical information to you, and to cease any credit bureau reporting until the debt has been validated by me.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Despite multiple attempts to resolve these errors directly with your bureau, these fraudulent items continue to appear, severely impacting my financial standing and credibility. The fraudulent items in question are not only incorrect but have been on my credit report for an extended period. I have provided substantial documentation and evidence proving the fraudulent nature of these items, yet they remain uncorrected. This ongoing issue is causing me significant stress, inconvenience, and potential financial harm. Furthermore, I am seeking the assistance of from you to ensure that this matter is handled appropriately and expeditiously. The presence of these inaccuracies on my credit report has significantly impacted my ability to access credit, secure favorable loan terms, and pursue other financial opportunities essential for my financial stability. I urge you to prioritize this matter and take all necessary measures to ensure the prompt removal of the fraudulent items from my credit report. If this issue failed to addressed satisfactorily may compel me to seek legal actions gainst them. The following items should be remove as soon as possible 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
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Subject : Formal Complaint Against XXXX XXXX XXXX XXXX for Violation of Texas Finance Code and Inaccurate Credit Reporting.

I am writing to file a formal complaint against XXXX XXXX XXXX XXXX for potential violations of the Texas Finance Code, specifically Chapter 392 related to debt collection and the surety bond requirement as outlined in Section 392.101. Additionally, I would like to address the specific inaccuracies in the credit reporting practices by XXXX XXXX XXXX XXXX on my TransUnion credit reports.

According to Section 392.101 of the Texas Finance Code, a third-party debt collector or credit bureau is prohibited from engaging in debt collection activities unless they have obtained a surety bond issued by a surety company authorized to do business in the state. The bond must be in favor of any person who is damaged by a violation of the chapter and the state for the benefit of any person who is damaged by a violation of the chapter. Furthermore, the bond must be in the amount of {$10000.00}. 

I demand that XXXX XXXX XXXX XXXX provide proof of the surety bond required by Section 392.101 of the Texas Finance Code to collect on this debt and report this account to the credit bureaus. Additionally, I demand that this account be deleted for inaccurate reporting. The following specific inaccuracies are present in the credit reporting by XXXX XXXX XXXX XXXX on my TransUnion credit reports : The payment status of the account is showing as 30 days late, despite the payment history from XX/XX/year> to XX/XX/year> indicating that the account was never late. ( See attached documents ) These inaccuracies are damaging my credit score and financial reputation, and I request immediate correction and deletion of this inaccurate information. 

Furthermore, I believe that XXXX XXXX XXXX XXXX and TransUnion may be violating several federal laws by continuing to report conflicting and inaccurate information on this account after it has been disputed. These potential violations may include but are not limited to the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

I urge the Consumer Financial Protection Bureau to investigate XXXX XXXX XXXX XXXX and TransUnion for potential violations of federal laws and inaccurate credit reporting practices. I request that appropriate enforcement actions be taken to rectify the situation and protect consumers ' rights. Despite multiple disputes raised with TransUnion and XXXX XXXX XXXX XXXX, the inaccuracies persist, highlighting the urgent need for corrective action and accountability in accordance with consumer protection regulations. 

I have attached relevant documents and information to support my complaint. Please feel free to contact me if you require any further details. 

Thank you for your attention to this matter.