davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-05
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)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. 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. Please update the following inaccurate accounts in my report : Bankruptcy Chapter XXXX XXXX Bankruptcy Chapter XXXX XXXX Bankruptcy Chapter XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to be remove from any affiliation with me immediately. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$4600.00} XXXX XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy U.S. 
Bankruptcy Court Reference # XXXX XXXX XXXX Bankruptcy U.S. Bankruptcy Court Reference # XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$560.00} XXXX XXXX Bankruptcy U.S. Bankruptcy Court Reference XXXX XXXX XXXX XXXX Bankruptcy U.S. Bankruptcy Court Reference XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-01-05
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. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-09
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. (TX)

Dear CFPB, I am writing to dispute the information on my credit report as provided under 15 U.S. Code 1681e. I never gave written consent for XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX furnish my information or authorize the disclosure of my information.

I kindly request that you investigate this matter and provide me with a detailed statement of how this information was obtained without my consent. If proof can't be provided I demand this account be removed from my credit profile. I expect a response and resolution to this issue. Thank you! I have included a screenshot inside this complaint on XXXX XXXX XXXX XXXX XX/XX/2023 and XXXX XX/XX/2023. Please see screenshot attached : Sincerely, XXXX XXXX
Consumer complaint received 2024-05-09
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. (TN)

PLEASE BLOCKED AND REMOVED Urgently, I request the prompt removal of the unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize their inclusion. Please rectify this promptly.
Consumer complaint received 2024-05-09
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. (PA)

It is my understanding that FCRA 605B requires the removal of any incorrect accounts from my credit report. Can you please check the documents? Some of the listed accounts appear to be inaccurate in terms of reporting, including inaccurate amounts and dates.
Consumer complaint received 2024-05-09
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. (NY)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any Account or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX Balance : {$10000.00}
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

I became aware of my identity theft some time in XXXX. I saw various accounts opened under my name. I plan on disputing these accounts and sending this report to the three major credit bureaus. I have no association with these accounts or had any knowledge of them being opened until XX/XX/year>. According to the FCRA, any inaccuracies or misinformation on my credit report must be removed immediately. Sincerely, XXXX XXXX
Consumer complaint received 2024-05-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

I have provided to the relating consumer credit reporting agencies that the address information on my reports other than the address beginning with ( XXXX ) are incorrect, invalid, UNMAILABLE ADDRESSES, that are not correct, and are not associated with me in any capacity and should be removed if the address is not ( XXXX ). Please remove all addresses that are not ( XXXX ) for they are not associated with me or my name. Please remove unmailable addresses not starting in XXXX.
Consumer complaint received 2023-10-25
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (CA)

On XX/XX/XXXX, we used a AAA Comenity Bank Visa card to pay for a large medical bill, which was approved. 

On XX/XX/XXXX, I logged into our account online and changed the automatic payment amount from " Statement Balance '' to " Minimum '' to allow us to move money from other accounts to pay the balance at a later date. 

When initially setting up the automatic payments, there was a warning that setting it up could take 1 to 2 billing cycles, but there was no clear warning about making changes once autopay was setup. 

On XX/XX/XXXX, AAA Comenity Bank withdrew the full statement balance of {$12000.00} from our bank account instead of the minimum payment I had requested, overdrawing our accounts on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX couldn't stop the transfer and Comenity Bank couldn't either. The representative from Comenity suggested having the bank refuse payment, which would return the funds to our account but incur a {$28.00} fee. I was told that a second attempt to withdraw the funds would happen that same day but our bank would not process the payment. 

The Comenity Bank representative instructed me to contact them on XX/XX/XXXX to make a partial payment instead after the funds were returned. 

On XX/XX/XXXX, I terminated ALL automatic payments for Comenity Bank and received confirmation via email. 

On XX/XX/XXXX, Comenity Bank withdrew {$12000.00} from our bank again in spite of our telephone conversations and my online activity to prevent it. This time, there were fund necessary to cover the transfer, but those funds were earmarked for other payments. 

On XX/XX/XXXX, I contacted Comenity Bank to have the transfer cancelled as I withdrew my consent and was told that because of the amount, returning the funds would take 5 days electronically. 

I asked to speak with a supervisor who told me that she would NOT return the payment unless I had the bank fax Comenity Bank confirmation of the payment on their letterhead even though they showed the funds already in their accounts. They then said that the returned payment would take 21 days.
Consumer complaint received 2024-01-05
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. (CA)

In late 2021, my landlord had filed an unlawful eviction notice and I was the only one in my family making income during the midst of a XXXX  pandemic, and while my family and I were in shock, I decided to pursue buying a home, and a lender asked to pull my credit. i am an individual who mostly uses my debit card or cash to pay bills and have only had XXXX or XXXX credit cards and would pay in full and not be involved in my credit as there was no need. When the lender pulled my credit, they told me I had XXXX charge-offs on my credit reports for Experian, XXXX, and XXXX and I was taken back and completely caught off guard. The XXXX charge offs were from XXXX XXXX XXXX XXXX XXXX XXXX, both of which I have never opened a credit card with, never authorized, applied, or used from either company. For almost a year, I disputed the fraudulent accounts with the credit bureaus by sending debt validation letters, proof of debt, wet ink signature, method of application, statements, charges, etc. and an explanation on how the credit bureaus can continue to report fraudulent accounts I never authorized and was not aware of. I decided to also file an identity theft police report, which was approved by the XXXX XXXX XXXX  XXXX  and also changed passwords on the XXXX cards I had, placed extended fraud alerts on all three bureaus, and made sure my personal information ( which was a mess, incorrect names, old addresses, old phone numbers and incorrect employers I had never worked for ) was up to date and accurate to ensure the accounts got removed. No credit bureaus removed the accounts after seeing an approved identity theft police report, which I sent and attached to my dispute. I have filed another identity theft affidavit and I am asking the CFPB to remove both fraudulent accounts by XXXX XXXX XXXX XXXX XXXXXXXX XXXX  on all credit reports and immediately updated as deleted. I will not tolerate FCRA violations, and both these companies harassing me and sending me debt collection letters on accounts I never opened, authorized, or even knew existed. The CFPB has a legal obligation to force the credit bureaus to remove the XXXX charge-offs and allow me to properly build back my financial picture which was damaged at no fault of my own. I will provide as much documentation I can to help this process go smoothly.
Consumer complaint received 2024-01-04
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. (NJ)

I have disputed with this creditor XXXX  department store XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I request bank transactions and proof that I was late with this creditor. The creditor never sent proof that I was late. The creditor has took over 30 days to update my account and pertorm an investigation. 
The creditor has illegally reaged my date late active from XX/XX/XXXX to XX/XX/XXXX XXXX missing date last active and XXXX and experian failed to do an update and do a proper investigation.the credit account XX/XX/XXXX even disputes XX/XX/XXXX, XXXX received a update of the creditor with a late payment.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc. (SC)

After studying during the Covid lockdowns, Ive learned alot about laws, codes, statues, etc. 
here in the United States. These discoveries have caused me to exercise my rights to file this claim. 15 USC 6801 states that It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 
Aidvantage student loans is a financial institution by definition under that title. 
Also 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Also The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA which applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ) 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. ( Aidvantage Student loan nor XXXX XXXX XXXX XXXX ) ever informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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 precedes the report by more than seven years. '' XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services..
Consumer complaint received 2023-12-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (TX)

My student loans were discharged in XXXX of 2023 Due to being a XXXX percent permanently and totally XXXX XXXX 

In XXXX I contacted XXXX and they told me I didn't need to do anything and I would get a refund of the negative balance on my account Within 5 to 7 business days direct deposit. I gave it XXXX weeks there was no deposit I called my hella back they told me the refund request had been canceled due to the operator not putting in the memo what the refund was for. I resubmitted a second refund request and asked for a confirmation number I was told that XXXX  does not provide confirmation numbers. I waited about 2 more weeks and then I called XXXX again this time I recorded the phone conversation inform them I was recording the phone conversation and explained the situation. After informing the Mohela agent that a lawyer told me they had to give me a confirmation number I was able to get a confirmation number and was told my check would be direct deposited on XX/XX/XXXX of 2023. Yet again the day came and passed and no deposit and I called him back. Finally after getting to speak to a supervisor I was told that my refund had just been submitted to the XXXX Treasury on XX/XX/XXXX and it was out of their hands now. 

Each time I was on hold for over 2 hours there are many times that I was on hold for almost 3 hours and then hung up on. 
They will not call you back and they refuse to give you any information that is accurate. I explained to multiple agents that they are giving everybody the runaround to delay issuing refunds. 

Each customer service representative will tell you something different they lie mislead and give false information in hopes of delaying the refund process.
Consumer complaint received 2023-12-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (GA)

This issue began when the XXXX Department of Education transferred the service of our student loan from XXXX XXXX to Mohela on XX/XX/XXXX. We continued to make our standard monthly payments ( which included extra amount in order to pay the loan off early ) as we had been doing since the beginning of the loan. In XXXX of XXXX we received a letter stating that repayments of student loans were starting up again and currently there were no payments applied to our account. The payments we made for XXXX, XXXX, XXXX, and XXXX totaling {$2000.00} had been paid through the bill payment service associated with our bank and we had conformation numbers showing that the payments were received from XXXX Department of Education Mohela. The bill payment service opened an investigation to help us find out why our payments were accepted but not being credited to our account. After multiple phone calls to Mohela throughout the month of XXXX ( which totaled more than XXXX hours, we faxed and uploaded our bank statements and proof of our payments to our Mohela account as requested by Mohela XXXX they could investigate from their end why our payments were not being posted. We were told that the investigation would be complete within a month and that we would be notified through the Mohela 's website that our account had been updated and the payments would be applied. During the month of XXXX, we again contacted Mohela to get a status updates because there were no changes or notifications in our Mohela account. Mohela confirmed that our investigation was still active and was still in the XXXX XXXX but would be completed within the month. Mohela did put our account in forbearance status so that we would not owe our monthly payments while the investigation was active but that the interest on the account would still be accruing. On XXXX XXXX and after a month had past, we contacted Mohela again to request a status update however we were told that the investigation was not complete, and it would be approximately XXXX of XXXX before it was complete. As of the posting of the complaint our Mohela account is still in forbearance status yet still accruing the monthly interest and our payments still have not been credited to our account leaving our {$2000.00} missing and no answers.
Consumer complaint received 2023-07-07
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation (GA)

I've made the payments, I've had a great track record, they keep calling to make a loan payment, they repeatedly hit my checking account even after I spoke to them. They say that wanted to work with me, but then they just called repeatedly, deducted the money without my knowledge and continue to call. In addition, I racked up more hard inquiries after they told me in writing that I was approved ( after being pre-approved ) for an increase on more then 1 occasion because of by good track record, only to discover that after submitting properb tax documents ( which they would continue to get the amount of my income wrong since I own 3 businesses - they always choose the less of the 3 and would leave it the larger paying business ) and they would turn it down. ( This happened more than once ). The excuse was that I had too much debt per the underwriters. Then how did I get pre-qualified, then submitted paperwork, credit pulled and then approved. I gave them my checking acct info to deposit the check at closing and then they retracted the " approval '' and began deducting payments from my account. 

I am done with them. I will pay them off early by XXXX just for them to stop calling me and I will no longer accept or believe any of their lies about being approved. I am caught up on payments and want them to stop deducting my account and stop calling.
Consumer complaint received 2024-02-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (TN)

I recently opened a virtual checking account with Chime so that way I could receive my direct deposits in a more timely or convenient manner. Yet, any deposit attempted to be made into my account has failed to find its way there even though Ive verified multiple ends that everyone has done what they were supposed to on their part except for Chime. I took into consideration that yesterday was a banking holiday but that did not explain or justify what happened to my money. Whenever I try and contact support, Im met with an automated voice that circles me around my own situation rather than connecting me to a live person to discuss the funds that were earned by another live person.