davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-31
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (CA)

I opened a secured card with Discover ( it ) with a XXXX deposit. Six days later I called and told Discover to cancel the account and return the XXXX. I had not received the card in the mail so never used the card. The funds were made from my bank via Savings account ( pic attached ) on XX/XX/XXXX. I cancelled the account on XX/XX/XXXX I was told they could only return the deposit via a check. It's 6 weeks later, I have called at least 7 times requesting my money be returned. Card was never activated and account closed on XX/XX/XXXX. Each time I call I'm told something vague and different from call before. On XX/XX/XXXX I spoke with " billing '' XXXX was told. The lady apologized for my frustration and said she would send a " request '' to have the XXXX put back into my account electronically. She said this would take 48 hours but could be as much as 3-5 days. I gave her my checking account number and routing number. I called on XX/XX/XXXX and spoke with a lady in billing, again, and she told me they never send money back via auto deposit. She said to wait XXXX days. I called again this morning and it was same type call. Absolutely no info on when my money will be returned. I live on a fixed income, Social Security. I need this money, my money, returned asap. Thank you.
Consumer complaint received 2023-12-01
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. (TX)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX
Consumer complaint received 2024-04-12
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. (TX)

I am writing to express my continued frustration to follow up regarding the presence of fraudulent items on my account, despite my previous attempts to address this issue. This letter serves as my second formal complaint regarding the matter.

Despite my previous correspondence and efforts to rectify this situation, the fraudulent items remain unresolved. I have taken all necessary steps outlined by your company, including contacting your customer service department, submitting dispute forms, and providing any requested documentation.

I urge you to escalate this issue internally and allocate the necessary resources to conduct a thorough investigation into these fraudulent activities. Additionally, I request regular updates on the progress of resolving this issue and expect transparency regarding any findings or resolutions reached.

Failure to address this matter promptly and effectively will leave me with no choice but to explore alternative courses of action, including seeking assistance from relevant consumer protection agencies and legal counsel. With this, I am asking for your assisstance to remove these fraud items in my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$3500.00} ; XXXX XXXX XXXX Balance : {$9000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$4000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00} ; 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 TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$3500.00} ; XXXX XXXX XXXX Balance : {$9000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$4000.00} ; XXXX XXXX XX/XX/XXXX ; DEPT OF ED 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 TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$3500.00} ; XXXX XXXX XXXX Balance : {$9000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$4000.00}. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (MO)

I want to emphasize unequivocally that I did not give written authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am formally requesting that these inquiries be blocked and expunged from my record. It is crucial to highlight that this request is not made in error, nor is it grounded in any misrepresentation of relevant facts concerning the request to block these transactions.

This assertion is important because it underscores the fact that these transactions were included without my explicit consent or instruction. By emphasizing this point, I aim to convey the seriousness of my request and ensure that it is not overlooked or dismissed. Additionally, I want to clarify that my request is based on accurate and relevant information, and I am not attempting to manipulate or deceive in any way.
Consumer complaint received 2022-11-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (NJ)

This is Cashapp..my friend sent me {$270.00}, she showed me transaction completed the ID and screenshot it to me..Cashapp said may be wrong account and i have only ever had XXXX account so where is my XXXX They claim they dont see that transaction id so it disappears cause I didnt get it and I have no contact with the young lady
Consumer complaint received 2024-05-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (MD)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2023-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 4. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX  Account Number  : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 6. Under XXXX5 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 9. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report
Consumer complaint received 2023-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OK)

The following account are reporting as charged off, an I havent received my XXXX C form for other account. An because of that fact the account is inaccurate and has to be removed. The account are XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-01-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (IL)

I have reached out to Mohela several times for a update on my loan forgivingness and they just keep telling me they're working on it. I have not received any updates and my loan should've been forgiven based on the guidelines.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-12
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. (FL)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 an alleged fraud or extortion. 
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 Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: EQUIFAX, INC. (NV)

Removal of inaccurate, false balances reported on Equifax, XXXX and XXXX such as TX XXXX XXXX because it was included in a XXXX XXXX bankruptcy discharged in XXXX. XXXX and XXXX have already removed this debt. 

Removal XXXX XXXX because it is a fraudulent, inaccurate balance that has been re-reported instead of remained in the paid/closed status after the balance was paid in year XXXX.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I am writing to bring to your attention a matter regarding inaccuracies in my credit report maintained by Experian. Upon reviewing my credit report, I have noticed that my current address has not been updated and there are several outdated addresses listed. This discrepancy not only affects the accuracy of my credit profile but also raises concerns regarding compliance with the Fair Credit Reporting Act ( FCRA ), specifically Section 1681 ( a ) ( 4 ).

Section 1681 ( a ) ( 4 ) of the FCRA mandates that consumer reporting agencies such as Experian must ensure the maximum possible accuracy of the information contained in consumer credit reports. This includes maintaining up-to-date and accurate information regarding consumers ' addresses. Failure to comply with this provision not only undermines the integrity of the credit reporting system but also infringes upon the rights of consumers. 

I want to emphasize that this is not the first time I have brought this issue to Experian 's attention. I have previously disputed these inaccuracies multiple times, yet the necessary updates have not been made. Experian 's persistent failure to address this matter in a timely manner is not only a violation of the FCRA but also a violation of my rights as a consumer. EXPERIAN REFUSES TO DO THEIR JOB! 

It is imperative that my current address is reflected accurately to ensure that I receive important financial notifications and correspondence in a timely manner. Additionally, outdated addresses may potentially lead to identity theft risks and could result in erroneous reporting on my credit file.

I kindly request that Experian take immediate action to update my address to the following : XXXX XXXX XXXX, XXXX, GA XXXX Furthermore, I request that ALL OUTDATED addresses be promptly removed from my credit report to ensure compliance with FCRA regulations. Please provide confirmation once these updates have been made. 

I trust that Experian will handle this matter with the utmost urgency and diligence to rectify the inaccuracies in my credit report. Your cooperation in resolving this issue promptly is greatly appreciated.
Consumer complaint received 2023-08-02
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Credit Fresh Holdings Inc (MI)

My credit line amount is { {$1700.00} } in XX/XX/2023. 
My payment of {$110.00} has been paid paid semi-monthly since The fees and biking charges are { {$95.00} } each period. 
According to the Truth in Lending act there needs to be a break down on the statement of the amount of interest you are charging. I see in the farms and conditions I am signing say billing cycle charge can not be waived. Credit Fresh is in violation of the Truth in Lending act by not having a proper break down of the total number of payments. The withdraws dont even show a date on the statement, annuals percentage rate, and security interest disclosures. Credit fresh is using aggressive tactics and unfair loan termssuch as high interest rates and feesto take advantage of unsuspecting borrowers. Credit Fresh is going after the most vulnerable and least knowledgeable borrowers Regulation Z is a Federal Reserve Board rule that requires lenders to give you the true cost of credit in writing before you borrow. That includes spelling out the amount of money loaned, the interest rate, APR, finance charges, fees and length of loan terms. An unlawful loan may also be some form of credit or loan that disguises its true cost or fails to disclose relevant terms regarding the debt or information about the lender. This sort of loan is in violation of the Truth in Lending Act ( TILA ). 
My complaint is that it is taking advantage of me. Ive paid nearly {$1000.00} in biking cycle charges with only less than {$10.00} actually being applied to the principal balance. 
When asked for a revision to be made, they told me no, it is not possible. 
Credit Fresh not providing proper breakdown of payment schedule, interest rates and fees enticed and misled into me taking out a loan that carries higher fees than my risk profile warrants or that I are unlikely to be able to pay back and causing great emotional distress!!
Consumer complaint received 2024-05-01
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. (GA)

I received the letter with my dispute results from Equifax and I need to know WHY these accounts are still remaining and they are claiming they have been verified. Thats impossible because these creditors are denying any record of a dispute from their company! I am maintaining a careful record of my communications with XXXX for the purpose of filing a complaint with your agency.
Consumer complaint received 2024-04-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (MN)

XX/XX/XXXX - Borrower Defense request submitted to the Department of Education under new guidelines from the Biden administration stating that loans from predatory schools such as XXXX XXXX XXXX XXXX now qualified for forgiveness, discharge, and potential refunds. 

XX/XX/XXXX - Notification of loan servicer changing to MOHELA after XXXX closing. 

XX/XX/XXXX - Borrower Defense application approved. Part of the XXXX class of the XXXX XXXX XXXX settlement. Letter states that I am entitled to a full discharge of my direct federal student loans as well as a full refund of any and all payments made, including interest, by XX/XX/XXXX. 

XX/XX/XXXX - MOHELA sends an email about signing up for IDR repayments even though the loans are in the discharge process, and payments do not start up again until XXXX XXXX XXXX. They attempted to get me to sign up with this program via email and paper mail even though I was told by the FSA to make NO payments towards these loans. As of this date, no movement had occured on my loan forgiveness. 

XX/XX/XXXX- I received a letter from MOHELA saying my account was last due and it was too late to sign up for IDR. I called FSA and was told to contact my loan servicer. I called MOHELA only to be put on hold for XXXX hours before finally reaching a person ( their website couldn't provide any information ). I was informed that this was just a generic form letter and to ignore it. 

XX/XX/XXXX - Message sent to MOHELA in regards to the upcoming deadline as I still had an outstanding balance of nearly {$16000.00} of direct consolidated federal loans. Included a complaint about the long wait times and difficulty reaching customer service for answers. They said to expect a response in XXXX business days. 

XX/XX/XXXX - multiple calls made to MOHELA. I was on hold for an hour only to have all subsequent calls dropped. XXXX  days past the deadline for full resolution. 

XX/XX/XXXX - call made to MOHELA. Had to wait nearly an hour before reaching someone. I inquired about the status of the discharge only to be told it was " in progress '' and couldn't provide any more information. 

XX/XX/XXXX - message from MOHELA in regards to the phone call. But did not address the message I sent back in XXXX. I STILL HAVE NOT RECEIVED A RESPONSE TO THIS MESSAGE AS OF XX/XX/XXXX. 

XX/XX/XXXX - Loans are finally zeroed out on both MOHELA 's page and the FSA page. However I still have not received a refund for the discharged loans. 

XX/XX/XXXX - called MOHELA for an update only after waiting for XXXX XXXX to find out that their customer service hours changed and the call was disconnected. No information is available on the website in regards to the status of my refund.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I've made multiple efforts to resolve the issue of fraudulent, inaccurate, and misleading information on my consumer report, but the problem persists. These unauthorized entries, resulting from identity theft, have severely impacted my life, causing considerable distress.
Consumer complaint received 2024-04-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

We applied to refinance my auto loan on my 2023 XXXX XXXX that was with Capital one, the offer to refinance was on their app when I signed on to pay my monthly payment. we applied and was approved and was very happy with the new apr. We then Signed all the documents and sent them back in, checking each time that My car was listed. ( It was with the correct vin # ) I signed on the pay my monthly payment and noticed my old loan was still showing and due! along with the new loan. Both for my 2023 XXXX XXXX. I investigated further and found that Capitol one paid off another auto that we have financed at our bank. We did not apply for that. Please help me get this resolved. Capitol one advised me to reapply with our old bank or Switch the information on the new loan to the correct auto. They then advised me, they could not refinance the 2023 XXXX although that's what we were approved for.
Consumer complaint received 2024-04-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I am fed up with all these creditors coming after me. I also need to file complaints against the law firm who is supposed to represent me! Also Bank of America and XXXX XXXX! I am a victim of fraud and have been for almost 5 years. I have so much money in debt now also my whole tax return is gone due to the newest theft. Bank of America denied my claims and I advised them that its theft. These people have my bank info mobile info everything
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (IN)

In accordance with the fair credit reporting act, Navy Federal Credit Union has violated my rights. 

15 USC 1681 Section 602 states I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions. -- - Except as provided in paragraph the term " consumer report ' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.