davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (NY)

On XX/XX/2023 my American Express card was used to create unauthorized charges through AMEX Send and XXXX accounts. My AMEX card was accessed through my XXXX account which was hacked into. 

As a result a {$2000.00} charge was added to my account. When I noticed the charge I called American Express immediately. The AMEX agent took some time to investigate this charge and discussed it with their fraud team. He then informed me that this was a common scam that is being used and assured me that I will not be responsible for the charges. The agent then issued me a new card. The agent said that this incident would be investigated further and I would receive a letter in 30 days and then the {$2000.00} charge would be removed from my account. 

It's now been 2 months and I have not received any letter from American Express. Since I was told that Im not responsible for the {$2000.00} charge I did not pay it on my next bill and I incurred a {$34.00} interest charge as a result. 

I have called American Express three more times about this charge and investigation. Each time I called I was told I should be receiving the letter within days but I havent received it. In the mean time interest charges keep accruing on the account. When American Express finally closed the AMEX Send account I was only credited {$4.00} on my account leaving {$1900.00} + {$34.00} interest that I was told again Im not responsible for. 

I have an excellent credit rating and have been an American Express card holder for 20 years. I always paid my bill in full every month. Now my credit rating is probably affected by these charges. 

I am asking that American Express resolve this issue immediately and remove the following charges from my account. They have already indicated that Im not responsible for the charge so it should be removed immediately. 

Charges : {$2000.00} AMEX Send ( XX/XX/2023 ) XXXX {$4.00} Credit ( XX/XX/2023 ) Sub total {$1900.00} XXXX {$34.00} Interest ( XX/XX/2023 ) Total {$2000.00} I am also asking that American Express fix my credit report if it has been affected by this activity. 

Thank you.
Consumer complaint received 2024-06-04
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. (NY)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2024-02-05
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)

I recently submitted a request for an investigation of the disputed account, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the listed account from my file. 
XXXX XXXX XXXX
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

To Whom It May Concern, I am writing to file a formal complaint against TransUnion LLC regarding inaccuracies on my credit report. I believe that TransUnion is violating my rights under the Fair Credit Reporting Act ( FCRA ), specifically outlined in 15 U.S. Code 6802. 

I assert my right to opt out of the reporting of certain accounts on my credit file, as provided by 15 U.S. Code 6802. Despite my explicit request, TransUnion continues to report the following accounts : XXXX XXXX card service account number : XXXX First progress card account number : XXXX self financial XXXX account number : XXXX I am formally requesting that TransUnion immediately deletes these accounts from my credit file in compliance with my rights under the FCRA. This action is crucial to ensure accuracy and fairness in my credit reporting. 


I request a thorough investigation into this matter and prompt corrective action. Additionally, I demand written confirmation once the disputed accounts have been removed from my credit file. 

I appreciate your attention to this serious matter and trust that the Consumer Financial Protection Bureau will take the necessary steps to ensure compliance with the Fair Credit Reporting Act. 

Thank you for your prompt action. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

My account balance should be {$0.00}. According to my last statement, XX/XX/year>, my New balance was {$0.00} and total minimum payment due is {$0.00}. Also the Interest charged was {$0.00}. My current balance should be {$0.00} and updated to good standing and not be a negative on my account.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NY)

I have recently reviewed my updated personal credit report and observed inaccuracies in names and addresses that persist on the document. I have previously contacted you, requesting the removal of inaccurate information from my credit profile. I kindly ask that you initiate the removal of the following information from my credit report, in accordance with FCRA Section 605B, which stipulates that CREDIT REPORTING AGENCIES must remove items identified by the consumer as resulting from erroneous reporting. Please remove the following information and provide me with an updated copy of my credit report reflecting the deletion of the mentioned details : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/2020. I wish to emphasize that you have a 4-business-day window to effect the removal of any information in my credit file resulting from erroneous reporting. I do not consent to E-OSCAR or any form of automated verification.
Consumer complaint received 2023-05-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2024-02-05
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. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : 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  Original Creditor : XXXX  XXXX
Consumer complaint received 2022-10-26
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. (FL)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

I value you setting aside some margin to UPDATE a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the Experian and XXXX credit bureaus to confirm this records ( 1 ). ( A ). I'm hoping that these disputed accounts get updated. 
XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$15000.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2024-02-05
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: Experian Information Solutions Inc. (NC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-02-05
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: Experian Information Solutions Inc. (TX)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FIN XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I've asked XXXX to remove this from my credit report since this account does not belong to me. XXXX supposedly did an investigation and came to the conclusion that the account is mine. Two accounts from Bank of America appear on my credit report, one of which is mine and I've always paid on time and another which is the one that I'm disputing that is not mine. The account that is not mine is affecting my credit in a negative way and I would like to have it removed from my credit report.
Consumer complaint received 2023-08-02
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: Experian Information Solutions Inc. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I've asked XXXX to remove this from my credit report since this account does not belong to me. XXXX supposedly did an investigation and came to the conclusion that the account is mine. XXXX accounts from Bank of America appear on my credit report, XXXX of which is mine and I've always paid on time and another which is the one that I'm disputing that is not mine. The account that is not mine is affecting my credit in a negative way and I would like to have it removed from my credit report.
Consumer complaint received 2024-02-06
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account needs to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MI)

Despite NUMEROUS calls, emails, complaints to FSA, and a previous complaint to CFPB, MOHELA continues to put my student loan into forbearance without my authorization. I am really tired of telling them that I NEVER want a forbearance placed on my account and they DO NOT EVER have my permission to do so. Placing a forbearance on my account negatively affects my payment counts towards my PSLF as MOHELA argues with me that the months I've had a forbearance don't count towards PSLF even though they are the ones who randomly have decided to place me in forbearance. This time I have sent 2 emails that have gone ignored. I called customer service and expressed my concerns and she did not remove my forbearance despite me telling her to. She said she was going to transfer me to a supervisor and instead sent me to a voicemail. When someone tried to call me back, I missed the call and they didn't leave a voicemail. I'm tired of MOHELA fraudulently making changes to my account!
Consumer complaint received 2024-02-06
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: Experian Information Solutions Inc. (TX)

I hope this letter finds you well. I am writing to express my deep dissatisfaction and frustration regarding the multiple unsuccessful attempts I have made to correct the issue of a late open accounts associated with my account. 
I have diligently contacted your customer service department on multiple occasions in an effort to address and correct this matter. During each interaction, I have provided all the necessary documentation and information requested, yet the issue remains unresolved. 

The persistent presence of the late open accounts on my records has had a significant impact on my financial standing and has caused undue stress and inconvenience. I have made consistent efforts to rectify this situation, expecting a timely and accurate resolution, but unfortunately, my attempts have been in vain. 

I am formally requesting the following actions be taken promptly : An immediate correction of the late open accounts on my records to accurately reflect the correct open date. 
A thorough investigation into the reasons for the repeated failures to correct this issue in previous attempts. 
A written confirmation of the resolution, including the corrected open date. 
An apology for the ongoing inconvenience and frustration caused by the unresolved late open accounts. 
I understand that administrative errors can occur, but the repeated failure to address this matter is both disheartening and concerning. Timely correction of inaccuracies is essential to maintaining the integrity of financial records and ensuring fair and accurate reporting. 

Failure to address this matter within the exact time frame from the date of this letter may necessitate further action on my part, including seeking assistance from relevant regulatory bodies or consumer protection agencies. 

I trust that your institution recognizes the importance of resolving this issue promptly and accurately. I am asking for your assistance to correct these late open accounts : XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00}.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I received an alert from XXXX stating that the last 4 digits of my social security number are on the dark web. I placed a Fraud alert on all 3 bureaus XXXX XXXX XXXX and I received an alert from XXXX informing me that my Fraud Alert has been removed from Transunion as of XX/XX/2023. I attempted to log into my Transunion Account to confirm that my account was still on Fraud Alert and I was unable to successfully log into my account online. I called Transunion today XX/XX/2023 and the representative informed me that my freeze was on my account however my fraud alert was removed. I informed the representative that I have called or accessed my account online to remove a fraud alert. At that time the representative did advise me that she was updating my account.
Consumer complaint received 2023-08-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CO)

I applied for public service loan forgiveness under the Temporary Expanded Public Service Loan Forgiveness waiver. I have been employed in the public-sector for over 10 years, making on-time and in-full payments the entire time. My loans were transferred to MOHELA and my employers have been certified, unfortunately only the payments made during the covid forbearance are currently considered eligible. The other payments are showing No bill was due for this period, which is blatantly false. I have since been told this is because my Temporary Expanded Public Service Loan Forgiveness ( XXXX ) counts have not been added, but this contradicts the information I am seeing on my account ( which is demonstratably inaccurate ) and I'm not confident the servicer has any record of my payment history. 

I have been assured the payments should and will be counted but I have been hearing misinformation for the entirety of the 10 years Ive been in public service. This has been well documented ( https : XXXX ) and I have fallen victim to misleading claims throughout the entirety of this process. 

I am collecting my bank statements that demonstrate all my payments to XXXX in preparation to dispute this and have been told that all the payments will be counted. This entire process has been mired with gotchas that inevitably benefit the lender. I am simply trying to claim what Im owed and have diligently worked for for over a decade.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Sterling Infosystems Inc. (MN)

Sterling Background Check no good Company sent me a false ( lie ) message on phone saying to call so can give me the case status by someone named XXXX XXXX to call XXXX Extension XXXX and then started demanding questions at me such as where do you live and stuff. I advised used to live in XXXX XXXX Texas and asked for my personal information to be removed from there system, etc ... and the caller refused and the agent hung up on me.
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

I am a victim of identity theft. I am filing this complaint for myself to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-07-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-07-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

On XX/XX/year>, I consolidated my federal student loans with an interest rate of 5.5 %. However, after a recent transfer of my account to MOHELA 's new portal, my interest rate increased to 5.75 %. This is before the 0.25 % auto-pay deduction. They need to retroactively change my account back to 5.5 % since that is what is listed with the federal government.