davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Marlette Funding, LLC (MI)

Twice within the last 3 years I have had an incorrect account show on my credit report. I reported it 3 years ago and requested the original loan documents. They sent me a very bare minimum report stating that the loan was opened thru Bestegg via XXXX XXXX XXXX  They did not give me the full account number, just the last 4 numbers. They did not show me any proof of signature. I had thought that it was resolved after I disputed it 3 years ago, but it has showed up again on my credit report. I disputed it again, but it still states that it is a credible account. This is not an account or loan that I applied for. I have attached the information that I have.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX Washington XXXX DC XXXX Subject : Complaint Regarding TransUnion False Accusations Dear CFPB, I am writing to file a formal complaint regarding TransUnion keeps making Verified accusations about XXXX XXXX XXXX account. It was deleted from my transunion credit report. My name XXXX XXXX XXXX I fill that TransUnion is harassing.
Consumer complaint received 2024-08-21
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. (CA)

transunion is reporting information on my account that was do to identify theft accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX buy law I have right to send documents showing that the accounts are fraudulent under lawsa ) XXXX. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( XXXX ) that the information may be a result of identity theft ; ( XXXX ) that an identity theft report has been filed ; ( XXXX ) that a block has been requested under this section; and ( XXXX ) of the effective dates of the block. 
( c ) Authority to decline or rescind. 
( XXXX ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 
( XXXX ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title.
Consumer complaint received 2024-08-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/XXXX I Lost my Debit card with capital one and a fraudulent charge was placed in the amount of XXXX. I contacted the bank and filed a claim. The claim was created on XX/XX/XXXX, claim number is : XXXX. The bank told me it would take ten days to resolve the claim. On XX/XX/XXXX I receive a repsonse that the claim was denied due to it being authorized by me. I have no knowledge of who made this purchase and I'm a victim of fraud. My capital one account number is : XXXX
Consumer complaint received 2024-08-17
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. (CA)

Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, XXXX, XXXX, XXXX 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. They are 3 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a personal credit card account opened at XXXX XXXX XXXX  Now owned by XXXX XXXX XXXX  on XX/XX/XXXX, XXXX and reference ID XXXX the account number XXXX ). an auto loan account opened at XXXX XXXX on XX/XX/XXXX, under the account number ( XXXX XXXX XXXX XXXX ) and ( XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX account opened at XXXX XXXX XXXX Now owned by XXXX XXXX XXXX Under the account number ( XXXX ) These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have disputed with all three major credit bureaus those accounts and they continue coming back verifiable the consumer has Provided with certified receipt and notices to each company including all three major Credit bureaus That dose accounts are Fraudulent accounts. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. I the consumer has the right to privacy Pursuant to the California Privacy Act of 1974. ( a ) The Congress finds that ( 1 ) the privacy of an individual is directly affected by the collection, maintenance, use, and dissemination of personal information by Federal agencies ; SECTION 2 ( a ) Through ( 5 ). 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 2024-05-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

I have consistently ensured that payments on this account are made on time, never allowing them to become overdue. I am unsure about the reasons for reports of late payment remarks on my accounts. According to 15 USC 1666b, billing errors should be corrected.
Consumer complaint received 2024-09-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MI)

XX/XX/XXXX I applied for loan consolidation with Mohela being my loan servicer. The message I received was that it would take approximately 4 weeks, possibly longer if more information was needed from me. Fast forward 8 weeks and I still had heard nothing regarding my loan consolidation, it was still pending and nothing was moving. Another two weeks went by and I said FORGET IT, and I paid my loans, one by one. My balance shows XXXX as of approximately XX/XX/XXXX. Next thing I know, a little less than a week after XX/XX/XXXX, I receive a letter in the mail from US Dept of Ed informing me that I am approved for loan consolidation. I assumed its going to take a minute for US Dept of Ed to catch up with Mohela and realize theres nothing left to consolidate. Everything is paid. XX/XX/XXXXXXXX  : I receive a bill in the mail for a new Mohela account and it states that my current balance is {$2700.00}. Now, clearly I went to college. And if I paid off a balance, with a payoff letter, and my current account states that I owe nothing, well then how do I owe {$2700.00} on some other account that has never been my account to begin with? 
XX/XX/XXXX at XXXX : I called Mohela at XXXX and spent 2h and 28 minutes on the phone with Mohela XXXX speaking to XXXX to start off and she said they could see I had made the payments in my original account but the money wasn't properly applied. I should make a payment on the new account while they try to make that happen but it should be all set by the end of XXXX. I tell them Ive given enough money and I would by no means be making any payment for their administrative error. At that time, I requested to speak with a manager or supervisor. I was placed on hold for an additional 30 minutes until XXXX answered. XXXX acknowledged the payments weren't applied properly and she understood that I was not making further payments. She would accommodate and rectify the situation. 
XX/XX/XXXXXXXX  : Why am I still receiving bills two months later?!?! I have submitted the same issue to the US Dept of Ed along with financial records indicating the payments that were made, also attached here. The US Dept of Ed closed this case without even reaching out to me to discuss. 
I am HIGHLY concerned that they have received my money already and are more than willing to let a loan servicer collect more money from me.
Consumer complaint received 2024-09-08
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (TX)

This complain is regarding Apple Card with Goldman Sachs. I have opened the card in XXXX. I have been using and paying for it for 2 years without any issue. In XXXX XXXX XXXX, my husband had suffered a XXXX XXXX XXXX which temporary reduced our income source and I found myself to be 1 month past due. I called the customer service and asked for a temporary relief. I was 1 payment behind. The lady on the phone told me that she would put me on the payment plan to help me with the past due. My account should not have been closed. I told her that I could make my first payment in XXXX. The payment arrangement was supposed to be ONLY for the past due. I made a payment in XXXX, XXXX, XXXX, XXXX but my account was still showing as past due and being reported as past due. I called them because I wanted to see how much longer I would need to pay. NO ONE could me a definite answer. They only kept on saying : you MIGHT BE, YOU PROBABLY CAN, YOU SHOULD BE ABLE TO. But this is not what you expect from the financial institution especially when it comes to money.Since XXXX, I DID NOT see the written version of my payment arrangement. First I was told that I need to pay the past due to be able to use my card. I did. My card is blocked still. Then I was told that I need to pay {$700.00}. But when I asked, if I pay {$700.00}, will I be able to use my card? No one knows that. Then another rep. told me that I need to pay all {$6000.00} balance BEFORE my card can be unlocked BUT my payment arrangement is ONLY for {$700.00}. Nothing makes sense. The representatives don't have any knowledge. They only read the script. I am waiting for my writen arrangement since XXXX. Someone needs to investigate what is going on.
Consumer complaint received 2023-11-17
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: Experian Information Solutions Inc. (IL)

I am a victim of identity theft. I submitted paperwork according to the FCRA and submitted it to the credit agencies. I have also asked for copies of the verification process and not gotten them. 

These are the accounts : XXXX XXXX XXXX XXXX by XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

I recently reviewed my credit report and found unauthorized inquiries. 

I have already contacted the creditors below and they have not provided me with any proof that I initiated such inquiries, nor provided me with written authorization or any permissible purpose. Since they do not have my authorization, written nor verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

As you know, according to Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code 1681b, Subsection ( a ), the below creditors have not demonstrated any allowable permissible purpose - and any consumer reporting agency may furnish a consumer report under those circumstances and no other.

As such, under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

The following inquiries are unauthorized, and I ask that you DELETE them : Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry
Consumer complaint received 2024-08-18
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. (GA)

In accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions
Consumer complaint received 2024-05-29
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. (FL)

XXXX XXXX XXXX IS A FRAUDULENT ACCOUNT I ASKED FOR INFORMATION TIME AFTER TIME AND NOTHING. 
XXXXXXXX XXXX XXXX IS FRAUDULENT ACCOUNT. 
XXXX XXXX IS A FRAUDULENT ACCOUNT DUVERA IS A FRAUDULENT ACCOUNT I HAVE NOT DONE BUSINESS WITH ANY OF THESE COMPANIES IM JUST ASKING EACH COMPANY TO SHOW PROOF AND THE CREDIT BUREAUS TO DO THEIR JOB DO A REINVESTIGATION BY LAW. I EVEN HAVE ATTACHED THE DISPUTES I HAVE DONE IN THE PASS REQUESTING THE ACCURACY OF REPORTING.
Consumer complaint received 2024-09-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CT)

Dear CFPB, I am writing to file a formal complaint regarding my current inability to make income-driven payments on my federal student loans, which is having a significant negative impact on my ability to qualify for a mortgage. My loan servicer, MOHELA, has informed me that due to the recent nationwide injunction on the SAVE plan ( Saving on a Valuable Education ) issued by the XXXX XXXX XXXX XXXX XXXX, my student loans have been placed in forbearance, which means my previously scheduled income-driven payments are not being accepted, even though I am willing and able to pay.

Under the SAVE plan, my monthly payment was calculated at {$10.00} based on my income, which I am more than prepared to continue paying. However, because of the injunction, my loan servicer has informed me that I can not make these payments until the forbearance is lifted, and my mortgage lender is now forced to calculate my debt-to-income ratio using an estimated standard payment amount, which is much higher than what I would actually be paying under the SAVE plan.

This situation is unfair and is directly blocking my path to homeownership. It is particularly concerning because the legal proceedings surrounding the SAVE plan could last months, if not years, meaning I could be in financial limbo for an extended period, unable to move forward with major financial decisions due to artificially inflated loan payment estimates.

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

Sincerely, XXXX XXXX, XXXX [ Loan Servicer : MOHELA ]
Consumer complaint received 2024-09-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FISERV INC. (CA)

So early in XXXX I was hacked several times on XXXX one night i just got paid and from XXXX and I got hacked again well I was asleep I went from XXXX dollars to XXXX over night I called money network my debit card provider and explained to them the issue apparently the person did a terrible job but I wouldnt find that out till XXXX  months later still fighting to get that money back today. They tried to put the blame on me saying that I must have gave my personal information to someone which was absolutely false. So fast forward a month and a half later I start receiving notification from XXXX saying that my banks are calling for refunds and at that time I had switched to new banks XXXX XXXX XXXX XXXX and I never contacted them about XXXX at all so I gave both banks a call they said no we never contacted them and would not with out my consent so I contacted tangos support they took a week to reply and they said yes sorry that it was an error and there was nothing they could do and contact my bank for a refund. Which I did and then my both banks are telling me to contact the merchant so all parties are blaming each other and XXXX out of money and no help. XXXX gave me a provisional credit and then reversed it leaving me negative and any money that came in went to the debt so costed me more.. I am truly left with nothing no options or help I dont know what to do
Consumer complaint received 2024-04-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (WA)

In XX/XX/year> I consolidated a portion of my loans for a total of {$15000.00}. Ed financial in XX/XX/year> changed my loan balance to XXXX the full amount that Ive had for my lifetime, this amount was never consolidated with them. This amount was never approved by me and the remaining amount was actually transferred to another servicing, agent XXXX on XX/XX/year> by Ed financial, so Im confused as to why they would tag on the amount that they transferred it another servicing agent. Upon contacting Ed financial they asked that I contact aid-advantage, as it was mishandled by them. XXXX told me that the only amount that they transferred to Ed financial was the original {$15000.00} and to request a balance dispute to edFinacial. Upon doing that EdFinacial told me this could not be done. Ed-financial was my previous servicer, and they are refusing to look at previous documentations, that would show my actual debt balances. I have repeatedly asked that my loans be put into administrative forbearance until this balance issue was resolved. I fear that any payment towards this debt will be an admission that it is accurate balance when it is not. Not only is this being falsely reported to credit agencies but I am incurring interest on an inflated balance.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

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 15 USC 1637 ( b ) 15 USC 81057 this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

15 USC Code 1666b billing error never was late please update account to paid on time Please update account to 100 % accurate.
Consumer complaint received 2024-07-21
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CHERRY TECHNOLOGIES INC. (CA)

On XX/XX/year>, I had XXXX work done by XXXX XXXX XXXX who explained that I could get a 0 % percent loan through Cherry Servicing LLC. I agreed and signed up online via an electronic tablet used by provider. My provider and I looked at the available payment terms several times to make sure I was selecting the 0 % option and that is what I selected! Cherry Servicing doesn't immediately send you the loan details, so I didn't get that information until XX/XX/year>, when they said my payment was coming up. I didn't immediately read it because I knew the payment amount was {$260.00}, which I agreed to, so no problem. Later, I discovered the interest rate is 17.99 %, which I would have NEVER agreed to because I could have paid the provider in cash and decreased services. I've since researched Cherry Servicing LLC and found that they often engage bait and switch interest loans. I did contact them and they said the provider could change the terms, but the provider is not the loan company and they can't change anything, so that is another Cherry Servicing LLC lie!
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.