davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I need to inform you I was the victim of identity theft. I'm disputing the account as it was opened without my knowledge, consent or authority. I contacted the company and they said to file the FTC affidavit from the site identitytheft.gov. Please dispute the account. It was opened without my knowledge, authority or consent. XXXX XXXX XXXX
Consumer complaint received 2024-07-11
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. (NC)

I submitted a couple investigation request letters to the credit bureaus because they are reporting inaccurate and unverifable information on my credit report that is a violation of the FCRA and FDCPA and they never responded to me or processsed my request. I believe they are violating my rights as a consumer. I am considering legal action very soon.
Consumer complaint received 2023-06-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: MORTGAGE SOLUTIONS OF COLORADO (WA)

Contacted XXXXXXXX XXXX who my Mortgage was with through Mortgage Solutions today on XXXX XXXX and spent over 2 hours trying to get to the right person to help with the situation. The associate XXXX hung up on me after XXXX mins of working. 

I was in forbearance from XXXX - XXXX of XXXX  and then approved on XXXX XXXXXX/XX/XXXXXXXX  for a partial claim after receiving a bill for ~ {$36000.00}. I am now trying to finance a home and can not due to a single 120 day late charge reported on my credit. 

XXXX stated on a recorded line that she could see that there were corrections reported to in the past and that it was put into the system for correction and never completed. This is unacceptable and needs to be corrected immediately as the lack of action from the company is causing financial damages to my family and life. 

This single 120 day late payment reported is impossible as there are no XXXX or 90 day lates prior to that. XXXX of XXXX  my mortgage was bought by XXXX XXXX and the late payments were reported in error by them as well. Please reference CFPB Complaint ID XXXX. 

There were issues with XXXX  XXXX at the time of the reported late charges and according to the XXXX XXXX  claim, that is what caused the reporting issue. I do not know if Mortgage Solutions have the same system as XXXX XXXX  but the open ticket number if recorded correctly by XXXX is XXXX.
Consumer complaint received 2023-06-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF HAWAII CORPORATION (HI)

On the XXXX of XXXX, a companion of mine executed a deposit of {$40000.00} into my Bank of Hawaii account. The aforementioned sum was diligently tallied multiple times, verifying a total of {$40000.00}. This transaction was carried out at the bank where the cashier also confirmed the total amount to be {$40000.00} after conducting several counts. My associate was then duly issued a receipt for the deposit, again stating the amount of {$40000.00}. 

However, a startling discrepancy arose three days following the transaction. The bank reached out, claiming an error had occurred and the deposit made by my friend amounted to only {$35000.00}, despite the earlier meticulous counts. The bank initially proposed a discussion with me concerning this matter but proceeded to deduct {$5000.00} from my account prematurely. 

The situation deteriorated when the bank denied access to an additional {$5000.00} from the original deposit of {$40000.00}. Consequently, this decision by the bank essentially signifies an unauthorized deduction of {$5000.00} from my balance, even though the bank 's own cashier had confirmed the deposit of {$40000.00} after multiple counts and the deposit slip provided corroborates this. 

Furthermore, the bank 's refusal to grant access to another {$5000.00} implies a total unauthorized deduction of {$10000.00} from my account. This action has transpired notwithstanding the explicit evidence of the original deposit.
Consumer complaint received 2024-08-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NY)

MOHELA is my student loan servicer and they have been unreachable since they launched their new servicing portal. I tried to use my old log-in and was told to make a new account. Once I made the new account, I still could not log in. 

I have called MOHELA once a week, every week, for XXXX  months trying to get connected with a representative to make my payments. Each time the call is disconnected by the company after approximately XXXX minutes of being on hold. 

They are still sending me monthly emails letting me know that my payments are late, but will not give me a way to pay them.
Consumer complaint received 2024-07-29
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. (FL)

" I reviewed my consumer report and informed your agency on XX/XX/year> about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC XXXX to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''
Consumer complaint received 2024-07-11
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. (NC)

I submitted a couple investigation request letters to the credit bureaus because they are reporting inaccurate and unverifable information on my credit report that is a violation of the FCRA and FDCPA and they never responded to me or processsed my request. I believe they are violating my rights as a consumer. I am considering legal action very soon.
Consumer complaint received 2023-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST NATIONAL BANK OF OMAHA (OH)

On XX/XX/2023 I initiated a payment from my bank to First National Bank of Omaha for the amount of {$880.00} To this day I have not received credit for this payment that shows as paid by my bank that sent the funds. I have talked to FNBO several times and have faxed the information to them to the number given and they claim they never received it. Each time they say it takes 7-10 business days to process. They refuse to expedite the request and refuse allowing me to talk to anyone in the proper department but I only can speak to a general representative other or those that claim to be leads or managers. 

I understand what caused the problem yet explaining it gets me nowhere. When I usually make payments I initiate FNBO to withdraw on my bank. For this payment I set it up for my bank to transfer payment to FNBO. A few years ago I lost my card and they sent a new one and of course changed the account number. I obviously forgot to change my FNBO account number with my bank so the payment went to an old account number. I have provided them with the old and new account number that it should go to yet they are doing nothing to resolve the matter. This is now the XXXX  business day this has been going on. This is simply unacceptable. I made another payment of {$900.00} just to avoid interest charges and having to go through this again with a bank that provides no resolution for issues.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The XXXX XXXX XXXX ( CRA ) & data furnisher ( XXXX ) are not complying with federal law regarding identity theft. Additionally, the XXXX XXXX XXXX XXXX XXXX furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-07-09
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. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) 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
Consumer complaint received 2023-06-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: GOLDMAN SACHS BANK USA (WA)

Marcus Savings account received a verified request by me to transfer money from my Marcus account into a verified account in a different bank. In response, they locked my account and told me to call a number to unlock the account. I called Marcus and they first asking probing questions regarding what I was going to do with the money I was transferring and why I was moving it out of Marcus ( I was planning on leaving a substantial amount in the account ). They said that they are going to cancel the transfer and that I could not transfer the money to my linked account or I should just keep it in the Marcus account. 
I also tried to set up an account with my Mother in Law and it was a nightmare. Went through all the steps and they said that she was denied for not apparent reason as she has great credit and other bank accounts with no issues ( I believe because we were taking advantage of their promotion giving the referring person and the new customer an enter 1 % on the account ) They finally said I could transfer money only into the same account I transferred it in but I would have to start the process again from the beginning. They were acting like it was their money and that they would tell me how I should be using it. 
I have been reading more an more articles regarding folks trying and failing to get their money out of Marcus savings accounts. 
You request the account number but they locked my account and I do not have access. 


Thank you, XXXX
Consumer complaint received 2024-07-09
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. (MD)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2020-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

On XX/XX/2020, I submitted a dispute with Transunion regarding my mortgage loan ( # XXXX ) with XXXX XXXX ( XXXX XXXX ) due to the fact my credit report reflected that I have missed 3 payments as of XX/XX/2020. However, back in XX/XX/2020, I requested to defer my mortgage payments based on the Cares Act for two months. Then, I extended the deferral for an additional month totaling 3 months. In XX/XX/2020, I started paying my mortgage as usual and on XX/XX/2020, I electronically signed the payment extension document establishing that I will pay those three months at the end of the mortgage. However, for my surprise, my credit score changed and decreased 121 pts establishing that I have missed 3 payments ( Exact amount of months deferred ). In addition, written conversations were held with XXXX XXXX Personnel were they communicated me that in effect I signed the payment extension and that my account was not properly classified. My credit score was fixed as of XX/XX/2020 to properly include that I haven't missed any payments. Nevertheless, as of XX/XX/2020, my credit score once again reflects that I have missed 3 payments. This situation is putting an additional burden on me as a consumer because I have to be in constant communication with a Bank that is clearly violating the Cares Act disposition, which states that " If you were current on your mortgage when the CARES Act forbearance was granted, your mortgage servicer is required to report your account as current during the forbearance period to the Credit Reporting Agencies. '' XXXX XXXX clearly is affecting my credit based on misleading records. Please advise regarding this matter.
Consumer complaint received 2024-07-09
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)

In accordance with the fair credit reporting act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

Account # XXXX XXXX XXXX XXXX XXXX XXXXXXXX Section 602 A. states I have the right to privacy.

15 U.S.C Section 604 A Section 2 : also states a consumer reporting agency can not furnish an 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, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) 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 inaccurate and violating my federally protected rights. Im respectfully requesting these accounts be deleted. That you for your time!
Consumer complaint received 2023-06-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc (FL)

On XXXX XXXX i went to pay my friend on the Chime app pay anyone feature. She did not receive it, so I had to XXXX her the money instead. I contacted chime support to dispute the transaction since the funds were taken from my checking account even though she never received the payment. Ive been denied twice already in my disputes, even though Ive submitted bank statements proving that nothing was received from chime. Since the XXXX Ive been through countless phone calls with their support team, and keep getting told the same thing. That I file the dispute and I should be getting my hard earned money reimbursed. Ive even been hung up on by one of their supervisors which I find extremely unprofessional no matter my tone of voice, because it gets to a point where youve explained the same situation about 20 times and nothing is changing. Come to find out I go on XXXX and Im seeing Im not the only one whos gone through the same issue. Times in the economy are hard right now and I dont make enough money to where I can just forget about those XXXX dollars. This is a company thats supposed to be legit, but yet arent helping there people.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (DE)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-06-14
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BROKER SOLUTIONS, INC. (NY)

On XX/XX/23 I requested information on a HELOC through XXXX, indicating my desired loan amount, credit score of approximately XXXX, and state of the house. This lead me to their approved partner, New American Funding, indicating that the could fulfill my request. Immediately following submitting my information, I received a phone call from their business, in which I was asked a few questions, I restated that I was looking for HELOC, the amount, my credit score of approximately XXXX, and other personal information. At this point they requested that I submit a full credit application for a hard inquiry. I had already stated both in writing and verbally that my credit score was approximately XXXX, which after the full credit inquiry, was determined to be accurate by averaging the 3 bureaus. However at that point, they stated they would not be able to provide a HELOC as my score was lower than the allowed minimum of XXXX for that financial product, but they were able to provide me with a refinance for my mortgage. At several points I had confirmed not only that my credit score, but also that I was not interested in a refinance, only a HELOC. This constitutes several counts of fraud to obtain my personal and financial information under false pretenses.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations
Consumer complaint received 2024-07-09
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)

Subject : Dispute Credit Closed Accounts and Collections 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 XXXXXXXX XXXX XXXX This letter is a formal dispute and request for investigation under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 et seq. 
The FCRA mandates credit reporting agencies to maintain accurate information in consumer reports. The following provisions support my dispute : 1. 15 USC 1681e ( b ) - Accuracy of Information : This requires credit reporting agencies to ensure maximum accuracy in consumer reports. The inaccurate names and addresses negatively impact the accuracy of my credit report. 
2. 15 USC 1681i - Duty to Investigate : This provision obligates credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of their credit report. I request a thorough investigation into these inaccuracies. 
3. 15 USC 1681c - Disclosure of Consumer Reports : This stipulates that consumer reports should only include relevant and creditworthiness-related information. The inaccurate names and addresses do not contribute to an accurate representation of my creditworthiness and should be removed. 
I kindly request that you investigate the accuracy of the names and addresses associated with my credit report, remove the inaccurate accounts, and provide me with a free copy of my updated credit report. Failure to address this dispute may result in legal action as permitted by the FCRA. Thank you for your prompt attention to this matter. 


Sincerely, XXXX XXXX
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-06-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: GOLDMAN SACHS BANK USA (IL)

I responded to a savings incentive offering XXXX for depositing XXXX into the account and maintaining the balance for 90 days. The account had less than XXXX in the account at the time and a withdrawal was made prior to depositing the XXXX which happened immediately after activating the incentive. I held the funds in the account for over 90 days with a balance in excess of XXXX for that time. The refuse to honor the incentive. They also wasted hours of my time on the phone and had multiple opportunities to inform me that they would not honor the incentive