davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I am filing this complaint against Bank of America for the unauthorized disclosure of my personal financial information from one account to XXXX XXXX XXXX XXXX XXXX. This disclosure included 13 specific transactions and the status of my account, shared without my explicit consent or prior notification. This action constitutes a breach of my privacy rights as protected under the Privacy Act of 1974 and the Gramm-Leach-Bliley Act ( 15 U.S. Code 6801 ) . I wish to formally opt out of all credit reporting activities conducted by Bank of America and seek immediate resolution to this matter. I also demand compensation for the damages incurred due to this breach. Enclosed are relevant documents supporting my claim. I expect Bank of America to conduct a comprehensive investigation into this incident and take necessary corrective actions to ensure such violations are not repeated.
Consumer complaint received 2023-12-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (HI)

15 U.S. Code 1681n - Civil liability for willful noncompliance U.S. Code Notes prev | next ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 

( c ) Attorneys fees Upon a finding by the court that an unsuccessful pleading, motion, or other paper filed in connection with an action under this section was filed in bad faith or for purposes of harassment, the court shall award to the prevailing party attorneys fees reasonable in relation to the work expended in responding to the pleading, motion, or other paper. 

( d ) Clarification of willful noncompliance For the purposes of this section, any person who printed an expiration date on any receipt provided to a consumer cardholder at a point of sale or transaction between XX/XX/XXXX, and XX/XX/XXXX, but otherwise complied with the requirements of section 1681c ( g ) of this title for such receipt shall not be in willful noncompliance with section 1681c ( g ) of this title by reason of printing such expiration date on the receipt. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-12
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. (PA)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2023-12-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA (OH)

On XX/XX/XXXX I applied for the income driven repayment plan on the federal student aide website. I am approved and my payment is set to XXXX dollars. In XXXX, I faxed my PSLF form in. 
I began receiving notices about resumption of student loan payment. On XX/XX/XXXX I logged into MOHELA and saw that MOHELA did not have me enrolled in the IDR and did not have my most recent PSLF, even though both were submitted months ago. I resubmitted both on MOHELAs site on XX/XX/XXXX. Then a few days later I received a bill for over XXXX XXXXXXXX. I thought that MOHELA was still processing my IDR. I received an email dated XX/XX/XXXX stating my payment is late. 
I then logged into the FSA site and I am listed as being in the IDR and having a XXXX dollar monthly payment - as I should be. I then recertified for the XXXX dollar IDR on the FSA site. 

Then I logged into MOHELA. MOHELA states I am late for the > {$600.00} payment and have another due in XXXX- this should not be the case! MOHELA lists the XX/XX/XXXX IDR application and PSLF as received but NOT processed, which means they are going to keep charging me!

Why is MOHELA permitted to charge me > XXXX XXXX when the Federal Student Aide site has me on their site as XXXX XXXXXXXX IDR? 

I can not afford to pay this. I am a community XXXX XXXX XXXX XXXX XXXX XXXX XXXX raising XXXX kids on just my income. I work for a nonprofit saving lives and keeping families together every day. And I have to worry about MOHELA stealing from me? MOHELA is negligent and/or fraudulent and ruining my credit. I do not deserve this. My children do not deserve this. My XXXX  do not deserve this. My community does not deserve this. 

Please help me to get this resolved as soon as possible.
Consumer complaint received 2023-12-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: NAVY FEDERAL CREDIT UNION (TX)

Please see attached document. 

I am opting out of Credit Reporting with Navy Federal Credit Union. 
Any negative remarks on any of my consumer reports should be promptly removed due to reporting to a third party being a direct violation of the Privacy Act of 1974, : The FCRA, 15 U.S. Code 1681b section 2, 15 U.S. Code 1666b, as well as 15 U.S. Code 6802.
Consumer complaint received 2024-01-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CA)

I received a notice from Mohela stating I need to recertify my income by XX/XX/XXXX in order to continue on the income-driven repayment plan. However, there is another deadline under repayment options on Mohela stating my deadline is XX/XX/XXXX. Lastly, there is an announcement from the Department of Education stating " The earliest you could be required to recertify is XX/XX/XXXX. If your recertification date falls between now and XX/XX/XXXX, it will be pushed out by XXXX year. For example, if your account says your recertification date is XXXX XXXX, XXXX, that date will be pushed out to XXXX XXXX, XXXX. '' I called back in XX/XX/XXXX regarding this issue and that my recertification date should be pushed back 1 year according to the Department of Education. I was told by the representative that this should be solved by the end of the month. However, it is now XX/XX/XXXX and the problem persists. I called today XX/XX/XXXX and after holding for XXXX hours the representative did not know anything about the announcement from the Department of Education. The representative also told me specifically that my loan was owned by MOHELA and not the Department of Education even though on the Mohela website the loan owner states " Department of Education. '' I was supposed to get escalated to an " advanced '' representative but the transfer never occurred and the call was dropped.
Consumer complaint received 2023-12-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (GA)

On XX/XX/2023 I opened a dispute via telephone with Chime Support regarding a transaction from XX/XX/2023 for {$410.00} with the merchant XXXX after unsuccessful attempts to resolve this matter with the maerchant after receiving a suit that was late, dirty, and not as described. I sent the photo evidence of all these issues with very detailed documentation to prove this along with a description from the website confirming that the suit was not as described along with email correspondence. Chime who actually isnt a bank failed to investigate this matter properly and claims that there is no way to speak with the specialist who is handling the dispute. I sent multiple pieces of evidence in which I feel was ignored as there was no confirmation or any communication from the special team handling the dispute. Chime has a history of shady practices as well as not handling disputes properly or even investigating them. This situation is really stressful as the bank is supposed to prevent merchants from committing fraud by sending customers items as not described and getting away with it. Chime didnt handle this dispute properly and failed to provide whatever bogus information they used for decision which was requested verbally and in writing. I requested for an appeal with a different agent as this dispute was not handled properly and no one reached out to me as they are letting the merchant get away with sending me an item not as described. The dispute is not about any errors or not receiving the item. The problem is the suit was not as described and has been a waste of my money and time. The merchant agreed to pay the invoice to have the suit tailors as I am not able to fit or wear the suit as sent to me as it was not made as described which was exact fit perfect custom bespoke suit to my measurements which is not what I received which Is why I can not wear the suit as sent and as of this complaint this matter has not been resolved as the merchant has not responded when sent the invoice that they agreed to pay and I also offered to ship the suit back for a full refund but the merchant has yet to provide a shipping label. Also per XXXX, the merchants website has been taken down due to XXXX investigation into their business practices. This matter is unresolved and chime has not handled this matter as it should have been.
Consumer complaint received 2024-06-21
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. (OH)

I have reported an identity theft account to all 3 bureaus, i have provided a XXXX Police report and a FTC Report, XXXX has since removed the item from my report. XXXX and TransUnion are still showing it.
Consumer complaint received 2024-06-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/2024 I went to a XXXX XXXX XXXX branch to do an XXXX XXXX XXXX. The associate erroneously performed a domestic wire to Wells Fargo when it was suppose to be the XXXX XXXX XXXX and now Wells Fargo will not respond to requests from XXXX  XXXX XXXX to reverse the wire transfer. The amount was {$230000.00}. Please help with Wells Fargo. XXXX  XXXX XXXX account # XXXX.
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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.
Consumer complaint received 2023-06-08
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. (CA)

I have been victim of identity theft and I keep trying to fix it, I already contacted everyone regarding this matter, yet no one is helping me. Someone has opened a loan under my name without me knowing. I already contacted you as well for this problem but yet there is no action. Please help me to fix my credit and remove the fraudulent account from my report. 
It is XXXX XXXXXXXX XXXX XXXX XXXX loan, Date opened XX/XX/2022.
Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC. (MS)

I was trying to buy a house.I realize I had damages on my report according to the laws 15 U.S.C 1681 there shouldnt be any damages on my report it is defamation to my character. According to FCRA section 605b it is illegal to report information on my credit report without my permission. Thank you please remove these from my credit report now.
Consumer complaint received 2023-11-29
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 15 USC 1681. 

Account Name : XXXX  : Account Number:XXXX  Account Name : XXXX  : Account Number:XXXX  Account Name : XXXX  : Account Number:XXXX  Account Name : XXXX  : Account Number:XXXX  Account Name : XXXX  : Account Number:XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number:XXXX  Account Name : XXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXX  Account Name : XXXX XXXX XXXX  : Account Number:XXXX Account Name : XXXX XXXX XXXX  : Account Number:XXXX  Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number:XXXX has violated my rights. Or list of inquiries 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 information is inaccurate.
Consumer complaint received 2024-06-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (PA)

I attended the XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX in XXXX Illinois. My loans were recently XXXX due to approval of borrowers defense application. I would like the opportunity to have the same loans I took out to attend that school forgiven by navient.
Consumer complaint received 2024-01-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: PNC Bank N.A. (VA)

My mortgage was sold to PNC Bank in XXXX. Since the date it was sold I have not been able to successfully make a mortgage payment without over one hour of investment navigating PNCs channels. 

Months, and months of multiple phone calls, multiple conversations with the IT department, the customer, service department, as well as escalated complaints. And after almost a year, I am still unable to make a mortgage payment online.

Issues have included but are not limited to : - password working in mobile app but not working in browser - locking out account via browser if password is entered wrong once ( even though it works in the app ) locks out account - mortgage payment not possible in mobile app ( see bullets above being an issue ) - password reset for mortgage not working in mobile app or when account is locked out ( again, see above )- very difficult to get to a human in customer service without details I cant get bc my account is locked out. 
- cant use XXXX bc account is locked out - resetting account via a temporary password only works the first time. When going back in, new password will fail to work in browser - 2 out of 4 calls with a customer service agent will result in being hung up on ( I dont think this is a human - I think their phone lines drop ) meaning I have to start over - saved external account shows to phone agents but doesnt show online - cant add external account via mobile app. But broken record cant get to browser bc of password issues The first 6-7 months I spent HOURS with all of their people working my account out. And every month Im back to square one. I have not successfully made a mortgage payment YET without at least 4 failed online attempts and minimum 3 phone calls. 

I have never had so much trouble just trying to pay a bill as I have with this bank. And I am absolutely infuriated that because they bought my mortgage theres absolutely nothing I can do about about it. 

I work in XXXX XXXX. With customer service. With technology. And I can say that this has been the absolute most infuriating, unacceptable banking experience I have ever had. I think it is unacceptable that I did not choose to go into business with this company, and yet have no choice but to spend one hour monthly of my time to try and pay a mortgage bill. 


And yes, I have contacted the company. Monthly. And I make a formal complaint each time. And yet the issues are not resolved. I do not have this problem with any of my other accounts. I am a perfectly savvy user of online, financial applications and websites. The way that they have set up their services and systems is absolutely ridiculous.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (GA)

To Whom It May Concern, I am writing to file a formal complaint regarding the egregious failure of Equifax to grant lenders access to my credit report, thereby severely hindering urgent medical proceedings. This matter demands immediate attention and resolution. 

On XXXX, XX/XX/2024, a lender attempted to access my Equifax credit report to facilitate a critical medical transaction. However, despite repeated attempts, they were unable to retrieve the necessary information. Concerned by this obstruction, I proactively contacted Equifax on XXXX, XX/XX/2024, and spoke with a supervisor. After verifying that there were no fraud alerts, blocks, or security freezes on my account, the supervisor attributed the issue to a potential misspelling of my last name by the lender. 

Following the supervisor 's advice, I diligently communicated with the lender to ensure accurate spelling of my details. Despite our concerted efforts, the lender remained unable to access my credit report. Frustrated by this ongoing impediment, I escalated the matter by contacting Equifax again on Thursday, XX/XX/2024, and conversed with a supervisor in the office of consumer repairs. However, the responses I received were unsatisfactory, as they attributed the problem to a purported glitch in their system but promised it would be fixed within XXXX hours and to have lender try again. 


Regrettably, as of this morning of XX/XX/2024, the lender still faces insurmountable barriers in retrieving my credit report from Equifax. This egregious delay poses a grave risk to my health and well-being, as the medical procedure in question hinges on timely access to financial resources facilitated by the lender. 

I implore both the Consumer Financial Protection Bureau and Equifax to take immediate action to rectify this situation. The urgency of my medical circumstances demands swift resolution and uncompromised access to my credit information. Equifax 's persistent failure to address this issue not only violates my consumer rights but also endangers my life. 

I request a thorough investigation into the root cause of this systemic failure and the implementation of corrective measures to prevent such incidents in the future. Furthermore, I urge Equifax to compensate for the distress and inconvenience caused by their negligence. 

I appreciate your prompt attention to this matter and expect a swift resolution to ensure that my Equifax credit report can be accessed from lender without any further delay.