davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-01
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : #, XXXX XXXX XXXX XXXX XXXX XXXX {$1800.00} Account name : #, XXXX XXXX  {$1500.00} Account name : #, XXXX XXXXXXXX {$590.00} Account name : #, XXXX XXXX {$4100.00} Account name : # XXXX XXXX XXXX, {$6200.00} has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/year> Bank of America was contacted after my account access was blocked. Bank of America informed that my account and its balance of {$1100.00} would be closed and any payments for account balances would be made on XX/XX/year>. 
On XX/XX/year>, account balance reached {$1200.00} and subsequent cashier 's check was expected to be released for this balance but never received. 
As of XX/XX/year> Bank of America advised me that account balance was a negative $ XXXX and is due and payable to Bank of America immediately. 
From XX/XX/year> to XX/XX/year>, Bank of America illegally paid for transactions from a closed account, misleading the status of my bank accounts. 
As of XX/XX/year> I have yet received any resolution to this matter. I have lost my vehicle and have no bank accounts with any bank since they reported my account closure and made it public. I have not been able to regain my financial balance because of what this bank has done to me.
Consumer complaint received 2024-01-02
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 send a XXXX  letter XXXX XXXX I ask the XXXX to investigate my account. it came back verified which by 15 US code 1681 sub chapter XXXX  says rules of construction whole an interview with XXXX XXXX and XXXX  who know me. I need to know who they verified it with. Every thing has to be XXXX XXXX  accurate her is my credit report please delete this accounts XXXX XXXX  XXXX  court case or ID # XXXX and National credit adjusters ID # XXXX
Consumer complaint received 2024-06-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NJ)

MOHELA sent out information that says they would always give 30 days notice before any payments were due. 

I have been unable to access any of my account information for at least a month, and last I heard from MOHELA, my account was on an administrative forbearance. 

Today, SATURDAY XX/XX/XXXX, MOHELA sent me an email to tell me that my next bill is due XX/XX/XXXX. 

When you consider that there is a national holiday on XX/XX/XXXX, they gave me 3 business days to make this payment. 

Also, they don't have my PSLF information available, so I can't see how many payments I have remaining. 

Based on all the information I've learned over the last couple of years, the time during COVID and the subsequent non payments were supposed to count towards my PSLF forgiveness, and I should be finishing up my payments soon. But I have no way of knowing that, and there are forbearance months that I didn't ask for, they they aren't counting towards my account. 

I also worked for a PSLF eligible employer during XXXX  school. I didn't know about PSLF so I was in forbearance during that time as well. But I was making so little that with IDR, my payments would have been minimal. I submitted that time for PSLF but they denied it and I believe that was an error. 

I have attempted numerous times to hey this information from MOHELA representatives on there phone. The first person I speak with usually can't provide any information, so I'll ask to speak with a supervisor. On XXXX occasions they just hung up on me during the transfer, and on other occasions XXXX only answer I can get is " that time is not eligible '' but they can't tell me why. 

They provide terrible information. They make us jump through hoops to figure out how much we need to pay and when, and they are not counting PSLF months in good faith. They are a scummy corporation who is screwing over honest, hardworking American public servants.
Consumer complaint received 2023-09-02
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. (CT)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXXXXXX, CT XXXX ; XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00}.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 2024-06-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (TX)

I was the victim of identity theft by a former roommate, XXXX XXXX XXXX. The collection account with SYNCHRONY BANK was an account that was opened fraudulently without my permission or knowledge. XXXX used my identity and had the initial card mailed to my home, which he retrieved without my knowledge, used the account, and made payment for a time without my consent or knowledge. The account was sold to XXXX XXXX XXXX in 2019. I have filed an identity theft affidavit, which is attached. Synchrony Bank acknowledged this and deleted the tradelines from my CRA reports. I have also attached documentation attesting to this fact.
Consumer complaint received 2024-05-04
Product: Credit card — General-purpose credit card or charge card
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. (TX)

I consistently make on-time payments. I'm confident about this. What I'm unsure about is why this company is reporting me as late in certain months, which shouldn't happen. According to USC 1666b, any billing errors should be corrected, otherwise, they will owe me {$1000.00} for each account reporting inaccurately.
Consumer complaint received 2024-01-02
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. (PA)

I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at :
Consumer complaint received 2024-07-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (MA)

Dear Midland Credit Mngmt ; XXXX XXXX XXXX XXXX ; Atty XXXX XXXX XXXX ; This is fraudulent and not mine account. I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. 
The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : 1. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter.

2. Legal basis for the collection of this debt.

3. Proof of your authorization to operate in [ State Name ].

4. Evidence of the alleged debt, including any contracts or agreements bearing my signature.

5. Complete account history, inclusive of all collection-related charges. 
I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions.

Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or
abuse in connection with debt collection.

* 1692e : Use of false, deceptive, or misleading representations.

* 1692g ( b ) : Failure to properly disclose my rights.

* 1692f : Use of unfair or unconscionable means to collect a debt.
Consumer complaint received 2024-06-15
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On Wednesday XX/XX/XXXX between XXXX pm, I went into A bank of America XXXX XXXX XXXX XXXX a problem I was having with my credit card due to financial hardship. 
I met with an advisor to ask about any programs that helped customers in a time of hardship to freeze my credit card account. The XXXX said yes. He said he was putting in my request. I asked if they would be adding finance charges. He said no. He said they had options for 6 months or a year. He said I would receive a call in XXXX days to work that out. The information he gave was very specific and I saw him input the request in my account. Unless he was literally pretending to input information on my account. 
It's XX/XX/year>. My payment is due today and I have not heard from them. I called today I was put on hold and then transferred to the payment department. I told her that the call I was told would be coming had not. She said there was no such program. She didn't know why the XXXX had misled me but there was nothing she could do about it. 
I am trying to settle my problem with a company I have been doing business with responsibly and maintain a business relationship. I have been misled. 
So it seems the only option Bank of America will take is to add to a customer 's hardship, rather than help them.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am filing to formally request your assistance in addressing an issue with my credit report. I have recently satisfied a collection account with XXXX, which now reflects a {$0.00} balance. Despite this, the account continues to appear on my credit report, adversely affecting my credit score and overall financial standing.
Consumer complaint received 2024-01-02
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: Tesla, Inc. (CA)

Lease statred on XX/XX/2021 and after talking to Tesla, we were told we can return the lease early and will have certain charges waived along with last 3 payments waived too, if we pick/ buy another tesla. We have been trying to speak to someone in their leasing team for last 2 weeks through associate XXXX XXXX and she had advised the final amounts ( only for excess mileage driven ) that we will need to pay will be in the return section in the Tesla app. However per contract we are obligated to only pay {$0.00} / mile of excess mileage which is at XXXX miles on the car. We are allowed XXXX  niles for the 3 year term of the lease. Therefore per contract it should be under {$5000.00} to pay, whereas the app shows a balance due of {$10000.00} approx. and no one is responding and able to explain on how the charges are calculated on the lease return.
Consumer complaint received 2022-11-23
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: EQUIFAX, INC. (VA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Equifax 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL (TX)

On Monday, XX/XX/2023 I received a letter from PayPal saying they were denying " me '' some kind of credit card because they were not able to prove my identity. On Wednesday, XX/XX/2023, I received said credit card. 

I have not used PayPal for about 10 years and I did not apply for any such card. I called the Paypal Mastercard customer service number ( XXXX ) and was transferred to their Solution Dept. 

I explained to them how I received the first letter in warning and then received the actual credit card and how I was not the only to apply for it. I asked them to closed the credit card and the PayPal account all together. They said it was done and that I would get a letter in the mail explaining that my account has been closed. 

I asked them if they could tell me how someone could just ask for a card with my info and if they could trace it back somehow and they said they could not. I don't understand how they sent me a letter saying they could not identify " me '' and then still send out a card!! 

I was lucky it even came to my home and not to the place whoever initially applied for it!!
Consumer complaint received 2024-01-02
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)

Experian is reporting inaccurate information on my consumer report, and accounts that do not belong to me.

Also Experian is reporting Late payments which is a violation of the FCRA 15 U.S. Code 1666b - Timing of 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.

I would like for Experian to Re investigate the information they are furnishing on my report and provide me with names, phone numbers, and addresses of those they contacted to verify these alleged accounts that are on my account.

Also I would like Experian to send me a copy of my written permission to furnish information on my report. 15 usc 1681b- permissible purpose states : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2024-07-30
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. (IN)

I sent a letter off on XX/XX/XXXX. This is my tracking number # XXXX for the letters that I sent off to the Bureaus to remove personal information that is not mine on my credit report, as well as fraudulent and inaccurate information that is causing my credit score to drop as well as me get denied credit. According to the fair credit reporting act 15 USC 1681, I have the right to privacy. Also according to 15 USC 6802, no financial institution is supposed to share my information to third party people. These are clear violations of my federally protected consumer rights. 

Collection Agency XXXX XXXX XXXX Original Creditor Name XXXX XXXXXXXX XXXX XXXX Date Assigned XXXX XXXX, XXXX Original Amount Owed {$1600.00} Amount {$1600.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is fraudulent and is not my account and should not be on my credit report.
Consumer complaint received 2024-01-02
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: Experian Information Solutions Inc. (NY)

Iquiries 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 Please remove it from my credit report
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NY)

I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. It is hurting my credit score so much. This BANKRUPTCY is NOT mine. Please REMOVE it from my credit report IMMEDIATELY! Attached you will also find my ID, and Proof of Address with my most recent bill.
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

In accordance with the Fair Credit Reporting Act this creditor violated my rights under usc1681 section 602 states I have the right to privacy. 15 usc 1681604 a section 2 it also states that a consumer reorting agency can not furnish an account without my written instructions. Under 15 USCS 1666Ba creditor may not treat a payment under an open end consumer credit plan as late for any purpose.