davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (IN)

I have been making payments and I have proof too, that will show how many payments I have made to MOHELA, but now since they supposedly transitioned to some new platform, which I did create an account a long time ago, because now they are going through the whole federal student aid website now, but they only show on their end one payment for XXXX. What happened to all of my payments, I was making, when I was accepted into the whole Public Service Loan Forgiveness ....? My employer is an acceptable employer and my boss even signed and sent MOHELA an electronically sent document on time, but now they have no record of me even being in the whole Public Service Loan Forgiveness Program. Now I make $ XXXX payment still yes, but I was not due until XXXX sometime. Why do they show me owing already and it is only XXXX. I keep receiving emails, stating I am late on my payments too. That is not true and come XXXX, MOHELA is stating I will have to pay $ XXXX payments. How can I do that? Honestly, they are the worst! If I was in the whole pslf program, I should pay $ XXXX for however many months and have the rest of my student loans forgiven. That was what I was approved for and what I signed up for so what is going on with Biden and MOHELA now? Really? It is not right.
Consumer complaint received 2024-06-20
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)

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.

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 informationisinaccurate.
Consumer complaint received 2024-06-20
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. (MO)

PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.
Consumer complaint received 2024-07-02
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

recently updated my information, which is the same information on my credit report with XXXX, Capital One still to this day after a month or XXXX of now having my phone number still wont send verifications yet when I used my card over Fathers Day weekend, first XXXX places I used it charges went through fine. XXXX merchant declined, received text from cap one ironically asking if I made the charge, I replied yes, received XXXX text indicating to attempt the charge again, I did, it went through. the XXXX merchant declined with no text received as with the XXXX charge, I called cap one to address, said they needed ID, I attempted with rep on the phone, their system wouldn't accept my ID after multiple attempts. They then asked me to upload ID to their portal. I uploaded my ID, based on manual review by Cap ONe, they said they can verify my identity. They next asked me to upload my ID, XXXX XXXX, and Proof of Address. I uploaded the same ID, uploaded copy of my ssn, and my verizon cell phone bill showing my name phone number and address, which is the same information they have on file, and was told Cap One still couldn't verify my identity. After many extensive conversation with rep after rep placing me on hold and hanging up on me, probably close to XXXX times, the rep I spoke to last said they were escalating the matter, and to again wait for a call I never receive, advised me I could make payments but can use my card I opened in 2023, lol .... Since, I received another email asking me to upload the same XXXX items, ID, XXXX, and Proof of Address, well since I've already done that, I drafted a letter and had it notarized and sent it to them to prove my identity, still no response. I requested any restrictions be removed, as there never should've been any to begin with. Im disgusted with their lack of integrity and how I've been treated. I could go on but its not worth it.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

My account with XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-07-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

MY PURPOSE OF THIS COMPLAINT IS NOT TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DON'T TRY TO SAY THE ( FCRA ) DOES NOT APPLY TO YOU BECAUSE YOU ARE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MALES IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOT WITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16G2F ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO YOU! XXXX XXXX XXXX VIOLATED 15 USE 1681A ( 2 ) ( B ), 15 U.S. CODE 1681B ( A ) ( 2 ), 15 U.S. CODE 1681 ( A ) ( 2 ), 15 USC 1692J ( A ), AND 15 USC 1681E ( B ).
Consumer complaint received 2023-09-19
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. (NV)

ATTN : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : FRAUDULENT HARD INQUIRY Please be advised that as of ( XX/XX/2023 ) as listed on my most recently reviewed consumer credit report, there are several fraud/unauthorized inquiries listed. As a reference, please see the below inquiries : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX I am hereby notifying you that these are fraudulent and neither on those dates or dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given permission to furnish this information. Having understood this is a violation of 15 U.S.C. 1681b. Both together and separately my consumer and privacy rights are being violated. The aforementioned fraudulent/unauthorized hard inquiries are to be removed from my consumer credit report and file IMMEDIATELY as the reporting of them has caused me and my reputation harm and discrimination. 

Without Prejudice, XXXX XXXX
Consumer complaint received 2024-06-18
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. (TX)

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-06-20
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)

I am formally contesting any inaccurate or undocumented information found in my credit report. This includes unverified claims, which I challenge under the FCRA and the accepted STANDARD of metro 2 data field reporting. The alleged delinquency and inquiries lack factual proof, and it is inappropriate to report claims known or should be known to be unlawful.

I hereby notify you to ensure the accuracy of all your claims, as mandated by the Metro 2 reporting standard. 

Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX  Incorrect Employers : XXXX XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I kindly request verifiable physical evidence to substantiate the account 's existence and permissible usage. Should this evidence be lacking, I expect the removal of said account from the report. I authorize you to send me physical documentation of your actions and an updated credit report.
Consumer complaint received 2024-07-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I notified capital one of several unauthorized XXXX  that were made on XX/XX/XXXX and XXXX. They told me to wait 10 days and a provisional credit would be given. About a week later I receive XXXX emails due to XXXX separate transactions that were denied on my debit card due to insufficient funds. I contact cap1 and ask them to cancel my debit card. Since there are no posted transactions they say there isn't anything they can do. Today XX/XX/XXXX I woke up to no money in my account because XXXX took all Of it, again I call cap1 and submit disputes as well as get a new card and block XXXX.. several hours later cap1 notifies me they have approved my dispute and the money has been replaced. I login to check and already XXXX who is suppose to be blocked has charged my account again using the reimbursed funds. I call back and again put in more disputes and block XXXX, again. After this I received an email stating capital one saying they denied my claim for the unauthorized XXXX. Its apparent my account has been hacked and is being accessed by someone else yet they refuse to help me get my funds back. I borrowed that money to get it back and pay bills expecting Cap1 to help me but they are being rude the lady essentially called me a liar telling me I made the XXXX after I just told her I certainly did not. I need help calling capital one resolves nothing.
Consumer complaint received 2024-06-18
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. (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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I recently reviewed my credit report and noticed that there are errors that need to be corrected. The incorrect information is as follows : XXXX. Account Number : XXXX XXXX XXXX  - XXXX Creditor Name : XXXX XXXX XXXX XXXX  Incorrect Information : The account was reported as delinquent for the month of XXXX and XXXX however the account is current as of the date reported. 

XXXX. Account Number : XXXX XXXX XXXX  - XXXX Creditor Name : XXXX XXXX XXXX XXXX  Incorrect Information : The reported balance is incorrect. My correct balance as of the date reported is {$8000.00} however its being reported at {$9400.00} which is incorrect
Consumer complaint received 2023-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (NV)

To whom it may concern : As Im writing this letter of complaint with extreme frustration, Im on hold for over XXXX minutes contacting American Express Macys credit card. This is my third request to receive a new credit card without changing the account number. My card was lost in XX/XX/2022. Called in XXXX and have not received the replacement card. Called the second time. There is no one answering your customer service line in a reasonable timely manner. This is awful and horrible business practice and not user friendly. If you automate the replacement card option, do not automatically change the account number for this option. Thats why Im Waiting for a live customer service. Can not wait any longer on the phone which has resulted in me writing this letter. Macys American Express credit card website has no address, has no contact us feature, no phone number available to call. Ive gone on XXXXXXXX to find a message feature to contact America Express directly and nothing. Their system or they dont make your system to be accessible to your customers. The people that give you business and keep you in business. This is so unfair to customers like me who have have had this card for over 7 years. This is not how you treat customers. This is insane, does not make sense, and ludicrous. How do you run a business like this treating your customers like this? 

If I close an account that Ive had for over 10 years, it will cause my credit score to go down. The credit card company has a hold on the consumer so they dont have to make their process easier for their customers. 

Also, high school students can do this job and process customer service calls and that has minimal cost to a company like this and that would make it easier for their customers. This would make huge difference for customers to have more assistance available. 

They really dont care about the little guys, their customers like me. That is what this demonstrates. 

Thank you XXXX XXXX
Consumer complaint received 2024-06-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I looked at my report on XX/XX/year> and noticed some things are fraudulent on my report. 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. XXXX received a letter from Transunion stating that the fraudulent account was deleted, however, it was not deleted. These are accounts are on my report due to fraudulent activity and should be removed immediately. My tracking number is XXXX I received the investigation back but noticed that nothing was modified or updated. So I requested a description of the re investigation and they did not provide it to me which is a violation of 15 USC 1681i7. According to this law 15 USC 1681i ( 5 ) they are supposed to update or provide this information within 15 days.
Consumer complaint received 2024-07-02
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Royalty Management Corporation (NC)

My vehicle was refinanced at Royalty Finance in XX/XX/year> after XXXX years with the company after the motor needed to be replaced. The payments are due on the XXXX of the month and it was agreed with branch management that payment would be paid on the XXXX as Im salary paid. Today XX/XX/year> my vehicle was repossessed and told me it was considered late. I signed a contract that stated I have a XXXX day grace period that they didnt uphold that in contract because I still had time and now are calling Full pay off of the vehicle and if not paid with in XXXX days it will report to my credit as a repossession.
Consumer complaint received 2024-06-21
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. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-06-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: NEW YORK COMMUNITY BANCORP INC (OH)

I requested loss mitigation which the company gave me, but they keep moving the ball and keep losing my application and payments among other things in violation of 1024.41 ( g ) they started foreclosure proceedings while I was in loss mitigation and during the time which I submitted my loss mitigation application and asked the court for a default judgment. I am currently in foreclosure court proceedings and in loss mitigation at the same time
Consumer complaint received 2024-06-21
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. (FL)

" I reviewed my consumer report and informed your agency on [ insert the date thats on the last letter ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC XXXX to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''