davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (AZ)

I had a balance of student loan of {$9500.00}. I paid the full amount on XX/XX/XXXX of 2024 through MOHELA. The payment was withdraw from my bank account and I also got a confirmation number and email. And here we are almost 2 months later and that payment still hasnt reflected on my account, but but the money was withdrawn from my bank account so I dont know where that money went and Ive been trying to get a hold of MOHELA and its super hard to get a hold of them. I need to know whats going on with that money.
Consumer complaint received 2024-07-03
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (CA)

I called IC SYSTEMS after discovering my credit had been affected by a recent collection. I spoke to a representative that told me that if I had no knowledge of the account I should file a fraud report with the company of XXXXXXXX XXXX XXXX which is who she told me they were collecting on behalf of. I explained to her that this always fraudulent on behalf of there company IC Systems because I never got into a contract with them nor have I signed or received anything stating that I was, and in pursuant of 15 USC 1681, I would like this false information removed from my report. I have disputed this matter 3 time via XXXX and each time they have not removed it stating that it meets the FCRA requirements. I have also informed them via the dispute that because FDCPA 15 USC 1692 they ( IC Systems ) should not have my information nor should they be reported on my report. I have not seen any change only that FCRA requirments are meet however this is all illegal and affecting my consumer report. Also they are reporting that I am late in collecting yet again I DO NOT HAVE any contract with the company.
Consumer complaint received 2024-07-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On Monday, XX/XX/year>, I attempted to make a time sensitive purchase totaling {$790.00} for my upcoming birthday trip. I was then prompted to complete an additional verification, which I did. I was prompted to complete this verification 5 more times with no purchase approval given. I responded yes to all additional automated texts inquiring if I was making the purchase. I checked my account to find it was debited almost {$2000.00} and I had yet to make a successful payment. Out of the 6 attempts that I approved, the following day BOA decided to release one of them. Due to this purchase being time sensitive the package I attempted to purchase was no longer available but BOA sent the funds AFTER the deadline, although I attempted to make the purchase PRIOR to the deadline. This was the last and most important purchase of my trip ( lodging ). Now due to this hardship not at my fault I have to cancel and restructure my entire birthday trip. This is EXTREMELY inconvenient and financially disheartening as I have lost a substantial amount of money due to the negligence on BOAs part. I am writing this complaint in hopes of finding a resolution. I also find it extremely disheartening that when I attempted to get in contact with the fraud department, the team lead I spoke to gave me the President of retail bankings information instead of another staff that could resolve this one a consumer level. I attempted to go to a physical location where they told me It could be a million reasons why it flagged it and gave no other information, then told me to call fraud department. I am looking to lodge every complaint, close my account and get legally involved with this. Now I am out of thousands of dollars, I have to wait for the payment to post and go through the whole dispute process with a merchant in another country and can not access my money.
Consumer complaint received 2019-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (NC)

I went to XXXX to request my personal credit report, as I have done for years. I completed the information to request a report from Experian. Despite having lived at the current address for over 3 years, the web site kept saying it could not confirm my address. I know I answered the challenge questions correctly. 

It next said I could upload images of a driver 's license and utility bill. I tried several times to do that with a 500kb scan file, using both PDF and TIF file formats. Each time, it reported an error, saying to use PDF or TIF. It finally kicked me out, saying to mail in the information. 

I successfully used XXXX last XXXX to order my report from Experian. Nothing has changed on my end since then. I'm an XXXX XXXX, so I know all about file formats, sizes, etc. The file I was trying to upload met all of their criteria. It feels like they are deliberately trying to make the process difficult or to fail.
Consumer complaint received 2024-07-02
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. (FL)

I am filing this complaint due to XXXX, XXXX and Transunion 's failure to honor my credit report update request, despite my numerous attempts to rectify incorrect information on my credit report. 

On XX/XX/XXXX, at XXXX XXXX  XXXX, XXXX received my certified mail in XXXX, TX, XXXX, containing my dispute request. Despite this, XXXX has not made any changes or adjustments to my credit report. I have sent multiple follow-up mail attempts, but they have continuously failed to respond appropriately. 

On XX/XX/XXXX, I submitted a dispute to challenge the accuracy of specific information on my credit report. According to the Fair Credit Reporting Act ( FCRA ) - 15 U.S. Code 1681i ( a ) ( 6 ) & 15 U.S. Code 1681i ( a ) ( 7 ), Experian is required to investigate and respond promptly. Instead, I received a generic stall letter, which did not address my concerns or show any real progress in investigating the disputed items. 

I have conducted research and discovered a CFPB report indicating that XXXX uses automated methods to send stall letters, likely in an attempt to push consumers towards using their online dispute systems. However, there is no law prohibiting me from utilizing today 's technology to analyze, create, and send disputes via mail. 

Despite my numerous attempts and the clear evidence provided, XXXX has not updated my credit report or addressed the specific disputes I raised. The inquiries I requested to be removed from my credit report include : XXXX XXXX - XX/XX/XXXX XXXXXXXX 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 XXXXXX/XX/XXXX XXXX 's refusal to address my dispute and their continued use of stall tactics are unacceptable. I demand that XXXX immediately removes the aforementioned inquiries from my credit report and provides a detailed explanation for their failure to comply with the FCRA requirements. 

I have submitted my letters and stall letters sent with dates received. I am not getting any support from the credit agencies.
Consumer complaint received 2018-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kentucky Higher Education Assistance Authority (GA)

On XX/XX/XXXX I received a credit report from annual credit report that list debt with incorrect payment history. So on XX/XX/XXXX I sent a dispute letter by certified mail to kentucky Higher Education XXXX XXXX XXXX, XXXX, KY XXXX. The address that was on my credit report.. On XX/XX/XXXX I sent a dispute letter to all credit reporting agency asking for validation of debit, i then received a copy of agreement with my signature and date of XXXX XXXX. So I checked my credit again to find out that this company has illegally re aged my account. They did this by stating false payment where made on this account in XXXX and XXXX which is not correct. This account is 7 years old as of XX/XX/XXXX and should be removed from my credit report. This company is in violation of the FDCPA act and my consumer rights.
Consumer complaint received 2024-07-02
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. (WA)

I am exercising my right to have this issue investigated and disputed as these accounts are incorrectly reported on my credit file. According to the Fair Credit Report Act, I should receive {$1000.00} for each erroneous report on my credit file. I am aware that FCRA 605B mandates reporting any incorrect accounts on a consumer 's report.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-11-21
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: GOLDMAN SACHS BANK USA (OH)

Signed up for Apple credit card XX/XX/XXXX via email from Apple/goldman sachs . 
Promotion was spend XXXX $ within 90 days upon approval and get XXXX $ back via XXXX XXXX ( Apple XXXX ). 
Have exceeded that spending threshold well within time. 
Have also contacted them several times via telephone and chat support. 
They wanted proof of this promotion and seemed like they had no idea what it was. 
One XXXX search will tell you all about it. 
I have been told several times there has been an inquiry opened and will be solved within ten days by several associates. 
Never did that come to fruition. 
This has been going on for a couple months. 
This shouldnt be an ordeal all for a XXXX $ bonus.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

e currently reported CAPITAL ONE with account number displayed as CAPITAL ONE on my XXXX XXXX report, shown as this information is NOT REPORTED on XXXX in this reported claim on my XXXX report, and alleged as this information is NOT REPORTED on XXXX in this reported claim on my XXXX report. Any inconsistency, incompleteness, inaccuracy, or omission of the reported item serves as a anomaly from the mandatorily utilized reporting industrys own XXXX XXXX Data-filled Field Formatted reporting compliance standards, of which there can be NO DEVIATION without JEOPARDIZING THE INTEGRITY OF THE DATA ( see XXXX XXXX XXXX ) and as so is lawfully questionable until evident confirmation of all aspect ( s ) of claim ( s ) are factually true, correct, complete, timely, physically verifiable, and elsewise undeniably valid particularly if not certifiably compliant in full according to the above-mentioned XXXX XXXX formatted industry requirements. With that in mind, please consider the following suspect reported data fields alleged for this now contested reported item of injury : As to and in consideration of the item questioned above, Original Creditor : reported as Not Reporting for XXXX, Not Reporting for XXXX XXXX, and as Not Reporting for XXXX and as such is one, each or all in deviation from the requisite standard ( XXXX ) and or is not proven much less certifiably compliant to its magisterial mandates as its prerequisite for compliant conformity in reporting. This field, as reported, is a deviation from the established XXXX reporting standards and or is reported one or more of being untrue, inaccurate, inconsistent, incomplete, untimely, unverifiable, and or else wise not confirmed certifiably compliant to all mandates for ethical and lawful reporting! 
In regard to item questioned above, XXXX XXXX XXXX
Consumer complaint received 2024-07-10
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: CAPITAL ONE FINANCIAL CORPORATION (SC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

on XX/XX/year> i sent in a personal information update letter to the 3 major credit bureaus ( XXXX, TransUnion, XXXX ). My only Legal name is XXXX XXXX XXXX. My only Address is XXXX XXXX XXXX XXXX XXXX XXXX, NH XXXX. My only phone number is ( XXXX ) XXXX. I dont want to include my social, date of birth, or employers for privacy reasons.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2024-07-01
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. (MI)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate XXXX  XXXX XXXX
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I filed complaints with XXXX, Equifax, and XXXX for reporting incorrect information on my credit report. I provided a list of the accounts and informed them of the infractions they were committing against my consumer report. They have not responded after more than 60 days. I have copies of every letter that was sent below. 

The failure to mark this disputed account as disputed by the company constitutes a violation of FCRA 623 ( a ) b ).

If the period has also been violated as of the date of the last activity on this account, then 605 ( c ) is in effect. When it needs to show the most recent payment date. 

This business has consistently done nothing to further verify this collection account.
Consumer complaint received 2024-07-01
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. (TN)

To whom it may concern, you are reporting inaccurate information on my consumer report. Per section 15 usc 1681g, you have not provided me with adequately information and thus is a violation or my rights. This account is also reporting as a charge off/collection but is still reporting a balance. That is inaccurate and I demand this entire account be deleted from my consumer report.
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to formally lodge a complaint regarding TransUnion 's failure to respond to multiple dispute letters I have sent over the past few months concerning inaccuracies in my credit report. 

I initially sent a dispute letter to TransUnion on XX/XX/year>, followed by a second letter on XX/XX/year>. Despite waiting an appropriate amount of time, I have not received any response from TransUnion regarding these disputes. 

Furthermore, on XX/XX/year>, I sent another letter to TransUnion specifically addressing additional inaccurate information that I have identified in my credit report. To date, I have yet to receive any acknowledgment or resolution from TransUnion regarding these inaccuracies. 

These inaccuracies are having a significant negative impact on my credit score and overall financial health. It is imperative that the inaccurate information be corrected or removed from my credit report immediately. 

I am requesting the assistance of the Consumer Financial Protection Bureau in this matter to ensure that TransUnion complies with the Fair Credit Reporting Act ( FCRA ) and addresses my disputes in a timely and appropriate manner. 

Enclosed, please find copies of the letters sent to TransUnion and any supporting documentation.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.
Consumer complaint received 2024-07-01
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. (CA)

XXXX XXXX XXXX Date of Birth : XX/XX/XXXX This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 credit card account opened at XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX XXXX XXXXXXXX on XX/XX/XXXX, and a collections account opened at XXXX XXXX XXXX  on XX/XX/XXXX with a balance of {$920.00} that appears related to the aforementioned personal credit card account opened at XXXXXXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  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 # XXXX 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 2023-08-29
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. (MI)

This is my 3rd request that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$130.00}, XXXX XXXX XXXX Balance : {$600.00}, XXXX XXXX Balance : {$65.00}, XXXX XXXX Balance : {$430.00}, XXXX XXXX XXXXXXXX Balance : {$920.00}, XXXX XXXXXXXX Balance : {$890.00}, XXXX XXXX XXXX XXXX : {$380.00}, XXXX XXXX XXXX Balance : {$10000.00}, XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2500.00}, XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX Balance : {$220.00}, XXXX XXXX  Bankruptcy XXXX Date Filed/Reported : XX/XX/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