davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

XXXX : XXXX XXXX XXXX Addres : XXXX XXXX XXXX zip cod XXXX DOB : XXXX XXXX Last XXXX of XXXX : XXXX Date : XX/XX/XXXX Bureau name : XXXX XXXX  Address XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX MI XXXX Recently : I did investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S code 1681e ( b ) Accuracy of reports whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedure to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. code 1681 ( 5 ) treatment of inaccurate or unreliable information ( A ) general it, after any investigation 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 ( XXXX XXXX  ) 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 investigation ; and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately ; Account XXXX XXXX XXXX account # XXXX this account is being reported inaccurately, please remove this from my report credit, immediately.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc. (CO)

I am receiving derogatory marks on my credit report from Kikoff. The company is reporting a balance owed to them when I have never used a credit card with them. I feel very mislead as I reached out to the company for credit repair thinking that it was a $ XXXX program to monitor credit and offer tips on how to build it. After finding out that their services were not what I was looking for, I decided to unenroll from the program. Now they are unfairly reporting a balance due to credit bureaus and indicating that I am past due on these payments. This is unethical and incredibly inaccurate information. I need this corrected immediately as I have never used a credit card with them nor have I accrued a balance.
Consumer complaint received 2022-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-05-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NY)

On multiple occasions, Mohela has given me incorrect information about my student loans. They originally quoted my monthly payment to be around $ XXXX, but when I started receiving bills, the bills were for twice that amount. Requests for explanation have been ignored. 

Additionally, because of my student loan status, I had received information from the federal govt that I qualified for the SAVE plan, and would be enrolled in it automatically. I made sure to apply for it ( more than once ) regardless. However, at some point ( without my having made any changes to my account ) I was taken off the SAVE plan and moved into another plan. I had to wait on the phone for hours before they told me they would rectify the situation. 

Now, I am getting told I am behind on a payment, BUT their website has been down for several weeks, so I am not able to make a payment regardless.
Consumer complaint received 2024-09-12
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. (SC)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2024-05-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (CA)

There was a fraudulent charge made to my card in XX/XX/2024 for {$3000.00}. I have called the bank multiple times with details of everything that happened, and their denial for the claim is not substantive. This is the third time now they have denied the claim, and are ignoring key pieces of information to validate the claim. I will not be paying any amount of the credit card due to their negligence in this matter.
Consumer complaint received 2024-09-12
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. (TX)

The inquires below, I did not authorize. 

Inquiry details 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 2024-05-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

I deposit {$1900.00} at Wells Fargo ATM XXXX, which is located at XXXX XXXX XXXX, Florida, on Saturday, XX/XX/XXXX at XXXXXXXX XXXX The ATM began counting money till XXXX, but then it gave me an error message and returned four notes ( I was given back XXXX dollars ). 

The ATM asked me to enter the amount I was depositing. When I entered XXXX, the machine provided me with a receipt. According to the receipt, I was credited XXXX XXXX while my deposit was being examined. 

I received an email shortly after the message informing me that my Deposit was going to be review. When I called at XXXX, I spoke with a Wells Fargo operator who mistreated me and didn't have the updated information. He informed me that the machine will count the money at XXXX and that it would be at your account either after XXXX or early the next day. I attempt to fully describe the circumstances to this manner. 

I was planned to use the money to pay bills and for a vacation to see my family the following Monday, so this is incredibly painful for me. And I tell them so. I also ask them a few questions, and I ask them to offer me a temporary credit or to tell me about other possibilities or how the process works. 

Following that, on Monday, XX/XX/XXXX, at XXXX, I contacted the bank for XXXX minutes. They asked me again how much money was in the deposit, and I was told the same thingthat the ATM would count the money and that I would hear from them after XXXX or tomorrow morning. 

Then, on Monday, XX/XX/XXXX, at XXXX XXXX, I called once again to make sure everything was clear regarding the deposit and everything. They asked me the same questions and informed me that I was assing my case to someone. I waited XXXX more minutes. 

I called again at XXXXXXXX XXXX on XX/XX/XXXX. After XXXX minutes, I discovered that the bank had lost track of my previous statements, including the amount of the deposit. This has an impact on both my personal and financial life. I truly need assistance from someone.
Consumer complaint received 2024-09-12
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. (AZ)

After Reviewing my Credit Report with TransUnion I noticed Inquiries on my TransUnion Credit Report that I did not Authorize that are not connect to any account on my credit report by these banks of dates listed, XXXX XXXX Inquires Date XXXX, XXXX XXXX Date XXXX, XXXX XXXX XXXXXXXX Date XXXX, XXXX XXXX XXXX Date XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. According to 15 USC 6802 ( d ) A financial institution shall not disclose, other agency an account number to similar form of access code or transaction of consumer. According to 15 USC 1681 ( b ) I did not give written consent nor instructions for any inquiry to be allowed to report to TransUnion Credit Bureau. Please verify all written letters. 18 USC 1028A Aggravated Identity theft. TransUnion Credit Bureau has committed a crime according to 18 USC 2028A Aggravated Identity Theft. Please remove all inquiries on my credit Report with TransUnion
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (NY)

There are XXXX hard inquiries on my credit account that do not belong to me. I live in XXXX XXXX XXXXXXXX and have lived here since XXXX. There are many auto loan inquiries for businesses based in XXXX  ( I do not have a drivers license so I can not obtain an auto loan nor would I need to and I am not based in Texas ) there are other loan inquiries as well that do not belong to me. I do not have any paper work referencing these inquiries or loans as they were not made by me. There is also a rental leasing debt from The XXXXXXXX XXXX XXXX XXXX  which does not belong to me as I have never rented a full apartment on my own.
Consumer complaint received 2023-06-03
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. (CA)

I am submitting this complaint in order to verify some accounts that are erroneously reported in my file. The accounts must be investigated in my file to prevent further damage to my scores, also I sent the necessary documents in FEDERAL TRADE COMMISSION or https : XXXX, So I am here to notify/complain to you directly through this platform XXXX XXXX XXXX Balance : {$440.00} ; CAPITAL XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX Balance : {$180.00} XXXX XXXX XXXX Balance : -.
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: CNG FINANCIAL CORPORATION (MO)

To Whom It May Concern : I am writing to dispute certain personal information appearing on my credit report maintained by your bureau.

Upon reviewing my credit report, I noticed discrepancies in the personal information section, which I believe is inaccurate. I am requesting your assistance in investigating and correcting this information. 
Below is the personal information that needs to be reviewed and potentially removed or corrected from my credit report. ( Axcess financial ), XX/XX/year>. I certify that the personal information provided above is accurate to the best of my knowledge. I understand the importance of ensuring the accuracy of my credit report, as it impacts my financial standing and ability to access credit. 
According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. I am requesting that you investigate the discrepancies mentioned above and promptly remove or correct any inaccurate information from my credit report. 
Enclosed with this letter are copies of documents that verify my correct personal information, including a government-issued identification card and any other supporting documents. 
By the provisions of the Fair Credit Report Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them.

Please remove any information that the creditor can not verify.I understand that under 15 U.S.C Sec 1681 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please send an updated copy of 5 my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past 6 months.15 USC 1681s-2 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. 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. Sincerely
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 — Was not notified of investigation status or results
Company: OneMain Finance Corporation (PA)

On ( XXXX ), I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. 

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 30 days so they should be deleted promptly.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAINE & WEINER COMPANY, INC. (SC)

I have provided my photo ID along with required documents. 
I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. 
I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the LAW. Which I have provided all my documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX )
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: STATE EMPLOYEES CREDIT UNION (NC)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My account with XXXX  XXXX AND DEPT OF EDUCATION/XXXX  was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 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 XXXX AND DEPT OF EDUCATIONXXXX 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 2024-08-15
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc. (NY)

I am XXXX XXXX XXXX XXXX XXXXXXXX. My component is the New York XXXX XXXX XXXX. As part of my enlistment contract I am enrolled in the XXXX XXXX XXXX XXXX. The XXXX XXXX makes payments on my loans once a year. As part of this program I am eligible for a XXXX XXXX XXXX. I submitted the Mandatory Forbearance Request multiple time since XX/XX/year>. Nelnet my loan servicer has not placed my account on a XXXX Forbearance I am eligible for. I've contacted the company numerous times and they have not updated my account status. I've attached my supporting documentation in regard to this matter. I've also attached a copy of my XXXX I received after XXXX XXXX which indicates in addition to my contract that I am enrolled in this program.
Consumer complaint received 2024-08-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

I deposited a check from a withdrawal from my retirement fund for XXXX. The check was deposited on XX/XX/year>. The check was cashed and cleared on XX/XX/year>. Chase bank will not release the fund to me until XX/XX/year>. Ive spoken to XXXX different representatives and all confirming the funds have been cleared into chase possession but all claiming that it something that is done automatically and can not be undone without verification on their part by the issuing bank and party. Which they claim they have not been able to do but I have been able to confirm by just calling and asking my retirement plan.
Consumer complaint received 2024-08-14
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Mortgage Research Center, LLC (OH)

Mortgage research center dba veterans united never gave me a copy of a master form mortgage. Under XXXX  revised code XXXX XXXX a master form mortgage is the 1st lien. The actual lien. The mortgage deed recorded in county public record in XXXX XXXX XXXX  is a 1st lien security instrument. The master form mortgage has to be recorded before an 1st lien security instruments. Before any assignment of mortgages can be recorded. I need copies of master form mortgage ( long form ) an short form. Its not recorded on publc record therefore im paying on a ficticious obligation title 18 USC SS 514.
Consumer complaint received 2024-09-12
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. (FL)

I reviewed my Consumer Reports and noticed that I had one late payment on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX : XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided. I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Consumer complaint received 2024-06-17
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)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
"
Consumer complaint received 2024-06-14
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)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
"
Consumer complaint received 2023-12-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Transunion has taken over the given 30 days required to provide results to delete US DEPARTMENT of Education accounts # XXXX & XXXX  from my Consumer Files. I've been Disputing these inaccurate accounts all year. They claim that they would delete