davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PENTAGON FEDERAL CREDIT UNION (NJ)

On XX/XX/XXXX I requested {$300.00} from my Pen Fed Checking account on a XXXX ATM located at the Quick Check on XXXX XXXX XXXX in XXXX, NJ. I did not receive the money and immediately looked at my account and saw that it was noted as withdrawn. I called my bank ( Pen Fed Credit Union ) who told me they would provide a provisional credit to my account and would pursue the issue with the other bank that runs the ATM ( XXXX ). 

On XX/XX/XXXX, I received a letter from Pen Fed simply saying they were closing the investigation and that there was found to be no issue and they removed the $ from my account. 
I called Pen Fed, explained the situation again and asked them to dispute further and request a video from the XXXX machine. The dispute department of Pen Fed has refused to request a video and said there is nothing they can do. They offered to send a printout of the transaction they received from XXXX noting the transaction ( well we already knew this was the case otherwise I should have no issue ). 

We asked the store to see if they could get a video from that night and they are looking into it, they did state that the machines have since been replaced. The funny thing here is that the Pen Fed contact said that XXXX tech went out to examine the machines and found there was no issue- if no issue- why replace them?
Consumer complaint received 2024-03-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Pappas Hayden Westberg & Jackson PC (KS)

I received a 3rd party collection letter from Pappas Hayden Westberg & Jackson PC a debt collector. Regarding an alleged account with XXXX XXXXXXXX XXXX XXXX The 3rd party debt collector has no written consent to have my personal info, let alone use of it. This is in direct violation of the FDPCA and the FCRA and US Codes. 

XXXX XXXX XXXX XXXX  has not received consent from the consumer to transfer any personal info, nor have they requested consent or Noticed the consumer. This is in direct violation of the FDPCA and the FCRA and US Codes.

Pappas Hayden, while sending a letter as a debt collector, provided nothing to show I gave consent to XXXX XXXX XXXX XXXX to transfer any information to Pappas Hayden. Nor did they provide any forms, contracts or agreements signed by XXXX XXXX to use of personal information. This is covered under Kansas Statute 21-6107 Identity Theft or Identity Fraud is to possess, transfer or to use any personal identifying information, belonging to or issued to another person, with the intent to defraud that person, in order to receive any benefit. which is exactly what Pappas Hayden is doing. PERIOD As used in this section Personal Identifying information is : 1. Name 2. Birth Date 3. Address 4. Telephone I skipped XXXX I felt they were NA 12. Electronic signatures 13. any financial numbers!! 
I am not being dismissive, I'm not angry but I have been down this road before. I will pay anything you can legally prove I owe, and/or produce the original contract with wet signatures not a copy of a contract or a " thorough careful review '' or an analysis of the account.
Consumer complaint received 2023-09-30
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. (NY)

I discovered in XX/XX/XXXXXXXX  that there was a late payment reported to one or more Credit Reporting Agencies from XX/XX/XXXXXXXX  for my mortgage with XXXX XXXX XXXX XXXX. 

At that time, I had a XXXX XXXX  that required that I XXXX XXXX for an extended period. This unforeseen emergency impeded my ability to make the timely mortgage payment. 

Because I was XXXX  at multiple and extended periods between XX/XX/XXXXXXXX  and XX/XX/XXXX, I was unable to communicate with XXXX XXXX XXXX XXXX  to request forbearance and certain other protections available to me under the CARES Act. This inability to communicate prevented me from attesting to XXXX XXXX XXXX XXXX as the mortgage servicer that I was experiencing a COVID-19 hardship and other complications caused by a XXXX diagnosis and subsequent extended XXXX. 

I became aware that I was entitled to attest to financial hardship during the COVID-19 emergency and supplied medical documentation in support of the request for accommodation under the CARES Act as a borrower affected by the COVID-19 Emergency. 

Up until the XXXX XXXX, I had an on-time payment history with the XXXX XXXX XXXX XXXX since the mortgage loan was originated. Subsequently, my payment history demonstrated ongoing and recurring on-time payments since being XXXX XXXX XXXX XXXXl.
Consumer complaint received 2023-09-14
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: M&T BANK CORPORATION (CA)

My credit report is still showing late payments on XXXX XXXX XXXX XXXX XXXXXXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or customer service representative.
Consumer complaint received 2024-07-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

My Identity has been effective in XXXX XXXX XXXX. After winning a fraudulent Credit Card case and seeing all the inquires I needed help because speaking with the bureaus I couldn't get them removed. 
XXXX XXXX XXXX XXXX XXXX My Identity has been effective in XXXX Data Breach 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-03-13
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NY)

I am writing to express my deep frustration and dissatisfaction with the handling of a serious issue concerning my Anne Taylor credit card account. Despite my immediate notification of fraudulent activity on my account in XXXX, the subsequent lack of action and communication from Anne Taylor has left me in an untenable situation.

In XXXX, my Anne Taylor credit card fell victim to unauthorized access by a malicious actor, resulting in fraudulent purchases being made on my account. I promptly contacted Anne Taylor to report the incident, hoping for swift resolution and mitigation of the unauthorized charges. However, to my dismay, no action was taken by the company to address the fraud or provide me with a replacement credit card. 

Furthermore, I have been inexplicably denied access to my online account for the past three years, preventing me from managing my account and making payments online. This lack of access has not only inconvenienced me but has also led to severe financial repercussions. Without access to online statements or account management tools, I have struggled to keep track of payment due dates, resulting in exorbitant late fees being charged to my account each month.

Additionally, I am appalled to learn that Anne Taylor continues to bill me for fraudulent purchases made on my account, despite my repeated attempts to rectify the situation. Moreover, the absence of a new credit card has left me vulnerable to further unauthorized transactions, compounding the severity of this issue. 

To exacerbate matters further, I have incurred excessively high fees whenever I have attempted to make payments by phone, further adding to my financial burden. 

As an individual with a documented XXXX that impairs my memory and ability to concentrate, the lack of online account access and failure to address the fraudulent activity have had a profoundly detrimental impact on my financial well-being and mental health. 

In light of these egregious oversights and failures on the part of Anne Taylor, I urgently request the following actions be taken : Immediately cease all billing for fraudulent transactions and provide a detailed account of charges incurred.

Issue a replacement credit card and restore access to my online account for account management and bill payments.

Waive all late fees accrued as a result of the lack of access to online statements and account management tools. 
Refund any excessive fees incurred for making payments by phone. 
Implement enhanced security measures to prevent future instances of fraud and ensure the protection of customer accounts.
Consumer complaint received 2023-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

This letter is a formal complaint to prove this company is reporting inaccurate information to consumer reporting agencies and violation federal laws This is the account name, number and how much be allegedly charged off. 

XXXX XXXX XXXX {$460.00} This company, XXXX XXXX is reporting a false charge-off status about this account. Theyve openly admitted that there were no 1099c form filed for this debt, they said This account has not issued a 1099c form '' XXXX  XXXX is reporting this debt as a charge off but saying this debt is not cancelled/forgiven and wont file a 1099-c form for it but according to the IRS, those things must had happened to legally make this account a charge-off. So, if these steps were not followed by XXXX  XXXX to make this account a charge off by federal law standards, then what is this account? 

According to The IRS publication 4681, It Clearly defines a charge off as Gross or Ordinary income. 

According to XXXX law dictionary XXXX edition a charge off is defined as anything manifesting intent to eliminate an item from assets if nothing on this account has been and not going to be eliminate on their end then how this company reporting it as charge off?? 

In order for an account to be a charge off, something must happen first. If XXXX  XXXX has not charged the debt off on their own taxes, wont wrote the account off on their taxes and can not provide a 1099-c form, then it can not be a labeled as a charge off account.

This company made up their own rules about what charge offs and willfully ignoring federal laws and definitions. Everything the FCRA have in place to protect me as a consumer is violated. You can not report an account in a status that it is not. This account isnt a charge off! 

XXXX XXXX is aware of their inaccurate reporting and has violated federal law 15 U.S code 1681s-2 I notified them in writing TWO times about the inaccurate reporting and under the prohibition section of FCRA this item must be deleted from my consumer reports. 

ATTACHED IS XXXX  XXXX STATEMENT SAYING THEY DO NOT HAVE A CHARGE OR NOR SIGNATURE FOR THIS DEBT
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

To Whom This May Concern, With respect to Chapter 41 : 15 U.S. Code 1681, I, being a consumer, am entitled to a accurate and complete consumer report. According to my consumer report generated on, XX/XX/XXXX, there are some inaccurate, not applicable, fraudulent personal information listed. This letter serves as an initial attempt to have my personal information amended to what is correct and truth standing. 

Please remove the following address : XXXX XXXX  XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2024-01-29
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: HABITAT FOR HUMANITY INTERNATIONAL, INC. (AL)

I reached out to XXXX XXXX XXXX XXXX  and did all the paperwork that was requested from them. XXXX down to the last stage of my application and thats needing my lender to verify my XXXX and upload the information to XXXX XXXX  so they could possibly pay off my home if my balance was under {$50000.00}. They have reached out to my Lender which is XXXX XXXX XXXX XXXX XXXX since XX/XX/XXXX. They have made several attempts to get the information but my Lender is not responding.
Consumer complaint received 2024-01-25
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. (MI)

my name is XXXX XXXX XXXX XXXX XXXX, on XX/XX/year> I started disputing XXXX  XXXX accounts # XXXX XXXX XXXX XXXX XXXX XXXX with no resolve ... According to the Fair Credit Reporting Act, XXXX  XXXX and consumer reporting agencies has violated my right to Privacy. 15 USC 1681 sec 602, 15 USC 1681 sec 604 2 it also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666b : A creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-06-10
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: EQUIFAX, INC. (MS)

****To begin, I would like to ensure you have and ONLY hold on to present, TRUE, CORRECT, COMPLETE, and MANDATED recorded To the degree that FCRA regulations, any and all others that could or should be reported now or else wise I DEMAND, as is my lawful RIGHT ( s ) to do so, that you annul permanently and immediately any and all of these aforenoted conditions, mentioned or not, especially if related directly or indirectly to any potentially injurious be it indubitable or unknown! Again, I DO NOT AUTHORIZE you to misreport any mis-information now or ever, please review and ENSURE your adequate and full accordance with the laws upon which govern your practice of reporting consumer credit profiles. 
( a ) I do NOT have any OTHER NAMES or aliases and I do NOT have ambition for any OTHER NAMES or aliases to be retained or recited, if ANY edit out NOW or produce PROOF of your legitimate AUTHORITY to preserve much less report without infringing my consumer right ( s ). 
( b ) I do NOT have any OTHER existent addresses and I do NOT covet any OTHER ADDRESSES to be retained or made known, if ANY annul NOW or produce PROOF of your legitimate AUTHORITY to keep much less report without infringing my consumer right ( s ). 
( c ) I do NOT have any OTHER SSNs and I do NOT have wish for any OTHER SSNs to be retained or expressed, if ANY omit NOW or product PROOF of your legitimate AUTHORITY to cling to much less report without infringing my consumer right ( s ).. 
( d ) I do NOT have any OTHER Dates of Birth and I do NOT have compliant-like salacity of or for any OTHER Dates of Birth to be retained or rumored, if ANY expunge NOW or product PROOF of your legitimate AUTHORITY to keep much less report without infringing my consumer right ( s ). 
( e ) I do NOT have any telephone numbers and I do NOT yearn for any telephone numbers to b e retained or described, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer right ( s ). 
( f ) I do NOT have any employers and I do NOT long for any employers to be retained or believed, if ANY exclude from reporting NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer right ( s ). 
Page 1 of 6 -XXXX XXXX ( XXXX  ) I do NOT have any spouses/ roommates/ co-applicants and I do NOT desire any spouses/ roommates/ co-applicants to be retained or communicated, if A N Y REMOVE FROM REPORTING NOW or product PROOF of your legitimate AUTHORITY to sustain much less report without infringing my consumer right ( s ).
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

My account with WEBBNK/FHUT was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. 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/XXXX, XX/XX/XXXX,, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX 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 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 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 2024-02-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (OH)

Back in XX/XX/2023, I sent a request to transfer my loans to MOHELA and be put on the SAVE/REPAYE plan, which would involve XXXX XXXX  monthly payments given my current salary. I was erroneously put on the STANDARD plan and charged {$1900.00}. I called MOHELA customer service who adjusted my plan to SAVE but they are still charging me {$1900.00} with accruing interest. I have called them twice since and they told me not to worry about the balance and interest and they would adjust it. Currently, two months have gone by and it is still showing a balance of {$1900.00} and accrued interest of {$3100.00}. Moreover, I am being told that if I don't pay the {$1900.00}, my account will become delinquent or be put in forbearance, which I do not want. I find this particularly frustrating, especially given that I have done nothing wrong and this is all their mistake. Additionally, it feels like there is no accountability on MOHELA 's end for their screw-ups, just vulnerable consumers who end up wasting many hours on the phone with lots of additional stress and XXXX.
Consumer complaint received 2023-09-14
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. (CA)

My credit report is still showing late payments on XXXX, XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX & XXXX - XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or customer service representative.
Consumer complaint received 2024-03-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: ROBINHOOD MARKETS INC. (GA)

I filed a dispute after XXXX dollars was stolen from my account via cash app. They told me that my account would be closed as a result of the dispute. My account says that it is closed but I have been receiving statements every month since they said they closed it in XXXX. I have a balance of XXXX that they will not release to me. I have called them ad emailed them several times regarding this matter. All they tell me is the account is closed and that is the final decision. If my account is closed then release my funds and let that be the end of it. I have been waiting over two years for my money to be returned to me but nothing has happened. They once told me that the funds are being sent back to the person who sent it to me but his account was closed. So the bank ended up returning it to XXXX XXXX. I need the funds to be sent to me via check or wire transfer to my new bank. Just the funds remaining I don't even care about the XXXX that was stolen from me.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XX/XX/XXXX, I utilized the Fair Credit Reporting Act ( FCRA ) Section 609 letter template, as stipulated by the law, to initiate a formal inquiry with TransUnion, one of the major credit bureaus, concerning inaccuracies on my credit report pertaining to three XXXX accounts. On XX/XX/XXXX, TransUnion sent a letter, via mail, both acknowledging the receipt of my FCRA-compliant letter and delivering the results. 

The results revealed that TransUnion had consulted with XXXX to include the current date and identified the balances on all three accounts as being PAST DUE. These accounts are incorrectly labeled as " past due, with {$0.00} per month being paid. We have been making on-time monthly payments of approximately {$2500.00} to XXXX since XX/XX/XXXX. Importantly, these accounts are current and up-to-date as outlined in the legally binding settlement and confirmed via adherence to the agreed-upon payment schedule. 

I argue this settlement is a mutual legal agreement between all parties involved, and in this case, XXXX had revised the loan amounts, which we had accepted. Since XX/XX/XXXX, we have been making monthly payments in accordance with this settlement agreement. As per the FCRA, credit reports should accurately reflect one 's credit history and current status, and TransUnion 's reporting of the current status of these accounts is incorrect, as it fails to acknowledge my on-time, recurring payments. Surprisingly, TransUnion chose to accept XXXX 's position without further inquiry or investigation. This practice contributes to numerous instances of misrepresented and inaccurate credit reports, and I firmly believe that credit bureaus should be held accountable for failing to exercise sound and fair judgment. This flawed system disproportionately affects lower and middle-class individuals, resulting in higher interest rates and loan denials. Furthermore, it often impacts employment prospects as employers frequently check candidates ' credit histories, thereby infringing on our right to economic liberty. 

Attached, you will find the following documents : 1. The FRCA letter sent to TransUnion on XX/XX/XXXX XXXX. The final dispute result from TransUnion, received via mail on XX/XX/XXXX - Part XXXX XXXX. The final dispute result from TransUnion, received via mail on XX/XX/XXXX - Part 2