davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (PA)

On XX/XX/XXXX I received a letter from MOHELA congratulating me for my PSLF loan forgiveness. Their letter stated my loan was paid in full. I also received payment reimbursement checks from the Federal Government for previous student loan payments. I had 179 approved eligible payments of a required 120. 

On XX/XX/XXXX I noticed a student loan on my credit report. The student loan had been removed from my credit report in XXXX. I called MOHELA on XX/XX/XXXX and was informed they made an error and my loans should not have been forgiven. They mentioned an error on their part for a miscount of months. They would not honor the letter issued and reviewed by FSA. I spent an hour and forty five minutes on that call. I then contacted the ombudsman with FSA. That was not helpful. I filed a complaint with FSA. I disputed the loan on my credit report. Now I am filing a complaint with your company. Thank you!
Consumer complaint received 2024-03-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (CA)

My son, XXXX XXXX, had an ACH deposit into my account on XX/XX/XXXX for {$40000.00}. The issue was that the deposit had my son 's name and not my own, so after a few days SoFi had frozen the account due to a violation in account terms ( no 3rd party deposits ). Several calls were made to SoFi 's fraud department to explain the problem and to seek a resolution, but I was told that the issue was still " under investigation '' and that a representative would call back shortly for more details.

I had not received any phone calls from SoFi during the next two months ( XXXX, XXXX, XXXX ), so we- my son and I - called SoFi back to provide further contact for my son and his employer should they need to verify employment, check deposit numbers, etc. The SoFi staff reiterated that the case was still under investigation and that a SoFi team member would contact us with updates shortly. 

In XXXX, having not received any calls from SoFi, my son called SoFi asking for their legal department information so we could see what steps we would need to take should we require legal counsel to get involved or file a formal complaint. My son was informed that there was no legal department, and no supervisor for the fraud department to contact to review the case. He was told to call the security team with the business department manager from his place of employment, and that should be sufficient to get details to the investigation that they would need. Again, he was told that someone from the security team would call me with updates shortly. They never did. 

In XXXX, having still not received any calls from SoFi, we ( my son, the business department manager of his company, and myself ) called the security team to request an update and provide any further information they may need - we were not asked to do this or prompted to, we had done so on our own initiative. The SoFi agent didn't ask any questions or give us any updates, but we provided further details such as the ACH transaction ID, when the deposit was made, and the contact information for the business and the business office manager. This was on XX/XX/XXXX around XXXX. 

It is now XX/XX/XXXX, we have yet to receive any calls or requests for more information from SoFi, and we are considering legal action at this point.
Consumer complaint received 2024-05-04
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. (LA)

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : However, they stated evervthin XXXX XXXX XXXX  was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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 instructons 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 tan 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 modity accounts tat isnt reporting correcuy. 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 ZA instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the followina items of information Anv other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven vears. 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. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case. 

Account : XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$70.00} Account : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$370.00} Account : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$520.00} Account : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$210.00} Account : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$460.00} Account : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$920.00} Account : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$290.00} Account : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$590.00}
Consumer complaint received 2024-04-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (OH)

I'm submitting this complaint in reference to ONLINE INFORMATION SERVICING knowingly reporting inaccurate data. My credit profile is affected by these penalties this looks SUSPICIOUS AND DECEPTIVE, I demand proof *TO SEE* Valid Authorization/proof of alleged debt. Report without valid proper discloser requirements are in direct violation of my consumer rights. I, XXXX XXXX legally requested a description of details of the verification process used to verify this alleged account. Federal law requires you to respond in 30 days failure to comply with these federal regulations by FTC us 641, et esq
Consumer complaint received 2024-04-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: River Heights Capital LLC (FL)

On XX/XX/XXXX, I went to my bank XXXX to withdraw money. I was informed a writ judgement was placed on my account and my children account. I was given a telephone number to call XXXX XXXX XXXX  XXXX XXXX XXXX. I called and have been calling. I spoke with XXXX XXXX today XX/XX/XXXX. I told him I spoke to a representative at XXXX XXXX bank XXXX XXXX @ XXXX. XXXX used my date of birth and social security number to search for a default on a loan or credit card in my name. XXXX could not find any account with my information on it. I do not owe XXXX XXXX. XXXX told me I do owe and I Should not be calling XXXX XXXX because he represent XXXX XXXX bank. Which I do not owe. XXXX XXXX advised me the judgement is from River Heights Capital LLC Today.Which company is it? This do not make good sense. XXXX XXXX also told me I am being sued for {$12000.00}. I filed a police report for identity theft because, I do not owe none of the above. I want my money back from XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX is doing a false claim against me. I have a right to ask questions about anything concerning me and my finances.
Consumer complaint received 2024-04-10
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (VA)

I am unable to use my AmEx gift card anywhere. It gets declined at every merchant, can not be added to a digital wallet, and they won't send me a physical card so that I can use it in stores. 

In addition, charges have been made to this card by someone other than myself- so the card that won't work for me has somehow been stolen and used successfully by someone else. The vendor will also not look into or resolve these fraudulent charges, or send me a new card so that it won't continue to be used by someone else.
Consumer complaint received 2024-08-01
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. (NC)

On XX/XX/2024 I sent XXXX, XXXX and Experian a detailed letter pointing on the inconsistencies in their reporting. All of the agencies have different information in which most of it is wrong. After doing some research I found that the credit agencies are to file all of the information reported to them accurately or mostly accurate. If they are getting their information directly from the creditor, why is there incorrect information listed on my credit report. They may not care about how they handle peoples credit report but I do. This is my livelihood. I gave them more than 30 days to update the information or remove it. They did not respond. I am a tax paying citizen and I would simply like to be heard and my right honored. I have detailed what errors are listed for them with a screenshot of the inaccurate accounts I have. I have done my part and I am simply asking them to do theirs. I will attach more details.
Consumer complaint received 2024-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I am writing in regards to a recent notification on my credit report. The information reported are erroneous and is leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report are incorrect.XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XX/XX/XXXX, XXXX XXXX Balance XXXX {$0.00}.
Consumer complaint received 2024-08-02
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. (PA)

Greetings, This account was charged off on the following date XX/XX/year>. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged-off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. 

I am demanding a deletion of the following account : XXXX XXXX XXXX
Consumer complaint received 2024-05-04
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. (FL)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
Account name : # 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, has violated my rights. 

I looked at my XXXX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to XXXX XXXX XXXX ( XXXX ) ( b ). 

And according to XXXX XXXX XXXX XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to XXXX XXXX XXXX they are suppose to 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 2023-04-06
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: LCI Acquisition Inc. (TX)

I am writing to express my dissatisfaction with the way in which this reporting agency have been handling consumer disputes and challenges. I believe that they have been sending out form letters in response to many of these submissions, regardless of the specific information that has been provided. This is a clear violation of the law, as each dispute and challenge must be addressed individually and on its own merits. 

Furthermore, I have reason to believe that the consumer reporting agency may be delaying the processing of letters from consumers based on the assumption that help from a third party may be available. This too is illegal, as there is no legal exception to allow for such delays. 

I would like to state for the record that I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. It is important to note that there is no law that requires a Power of Attorney in order to delay processing letters from a consumer urge you to take prompt and appropriate action to address the concerns raised in this complaint.
Consumer complaint received 2024-06-12
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)

If there are any inaccuracies or incomplete information regarding my accounts, judgments, liens, balances, payment history, late payments, account history, or any other details in my credit report, I request that you promptly correct or remove those items from my credit file in accordance with the XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NY)

On XX/XX/2024, I noticed three pending transactions on my account. These transactions were charged by the law firm that my husband has hired for his upcoming court case with his ex-wife. We had already paid over {$7000.00} for the lawyer 's retainer fee to prepare the case. However, we received an email from the law firm requesting more money, which my husband had not authorized through email. We immediately contacted Citibank to dispute the three transactions. My husband also called the lawyer, who stated that he was not aware of these charges and that it was the law firm accountant who had proceeded with them. 
On XX/XX/2024, I received a letter in the Citibank app requesting specific information about the disputed transactions. I responded to the email XXXX with details about the three disputes and included the email from the law firm account that asked my husband to make the payment by clicking to confirm. I also mentioned that my husband did not click to make any of these payments. 
End of XXXX, I received a letter in the Citibank app stating that they had completed the investigation and found that we were responsible for the charges. I called Citibank for a second time, and the staff told me that they had not received any information from us. After I told her that I had sent an email on XX/XX/2024, to respond to their request for more information, she said that we did not give them enough information for the case, which is why they closed the dispute. 

The law firm never mailed my husband the bills, they had the credit card and charged it without his permission. My husband called the lawyer, who acknowledged that we will not pay more besides the retainer. 

On XX/XX/2024, I received a letter from Citibank stating that if I wished to reopen the investigation, I must provide them with a detailed description of how the merchant obtained my credit card information. I had already talked to the billing department about the situation twice. Firstly, the staff member I spoke to said that I had called to cancel the transaction, which was incorrect. I had actually called to dispute the transactions that were not authorized. Secondly, when I asked Citibank about their credit limit policy, they allowed three transactions totaling almost {$9000.00} to go through, even though my credit limit is only {$7500.00}. The staff member hung up on me for asking about their credit limit policy which she couldn't answer during our last call. 

I hope that all the calls have been recorded and reviewed by the investigation team. Whether I can successfully dispute those transactions or not, my hope is that enough people will become aware of my case and be cautious with their credit limits. My credit score has been negatively impacted due to carelessness, and I hope others can avoid facing a similar situation.
Consumer complaint received 2024-04-11
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC (CA)

I created an account to monitor my credit, and see that I was impacted with late history from 2020 that should not have updated to my profile.. this was during the height of COVID with a global shut down. Plus, this card was in forbearance with the agreeance to remove any derogatory history during that timeframe. Please note I have made all payments on time otherwise, have had no issues with this account. I have a small, fast growing family and we are working so hard to finally get our first home. This is having a detrimental effect on my entire family and I desperately need help with this.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Trans Union received my dispute via CFPB # XXXX submitted on XX/XX/XXXX and Trans Union acknowledged receipt on XX/XX/XXXX and as of today more than 35 days later I still have not received results per their investigation. 
My dispute was based solely upon my privacy rights being violated because : FCRA 602 states I have a right to privacy and FCRA 604 ( a ) ( 2 ) states a credit reporting agency can not furnish an account without written instructions.

Trans Union requested information knowing that I have uploaded my identification TWICE and have sent it two other times by regular mail I can prove they received my I.D . Via CFPB uploads.

I am listing the following accounts in my dispute and again I demand that they be deleted in accordance with the Gramm-Leach -Blilley Act 6801,6802 and in accordance with FCRA 602 and FCRA 604 ( a ) ( 2 ) because they do not have written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXXXXXX I am uploading my I.D . again in this dispute. 

In accordance with FCRA 611 ( a ) ( 1 ) ( A ) Trans Union has failed to conduct a reasonable investigation within 35 days and is compelled to delete the accounts entirely.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

I am writing to file a complaint against Experian, XXXX, and XXXX regarding issues related to the verification of identity for a fraud alert placed on my credit reports. 

1. Verification Questions : Both Experian and XXXX have failed to provide valid verification questions or questions that match the information on file. This has resulted in difficulties in verifying my identity and accessing my credit reports securely. 
2. Phone Number Update : Despite multiple requests, the phone number associated with the fraud alert has not been updated with the bureaus for verification purposes. This has led to further complications in the verification process. 
3. Inability to Temporarily Remove Fraud Alert : All three bureaus, but primarily Experian and XXXX, have been unable to temporarily remove the inaccurate fraud alert placed on my credit report. This has resulted in delays, denials, or conditional approvals for various financial transactions and applications. 
4. XXXX Identification Software Issues : XXXX identification software has failed to verify my identity accurately, leading to delays, denials, or conditional approvals similar to those experienced with Experian and XXXX.
Consumer complaint received 2024-07-30
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: Mercury Financial Intermediate LLC (VA)

XXXX XXXX XXXX, has failed to respond to the following Company did not respond to my requests for arbitration via XXXX XXXX XXXX dated XX/XX/2023 YOUR XXXX CASE XXXX and verbally, when disputing Boost Mobile Transactions as agreed by representative regarding OVER BILLING ( {$310.00} )