davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: DISCOVER BANK (VA)

On this date XX/XX/2024 I called Discover Bank about a recent transaction that was approved on my checking account for {$350.00}. I wanted to cancel that transaction because I did not want it approved before I could change the amount and payment date. I simply got too preoccupied and let this task slip my mind. When I saw that the funds were taken from my account, I called discover around XXXXXXXX XXXX to see if it was possible for them to cancel the transaction of {$350.00}. They told me since the transact was authorized by myself ( it was ) and that I simply forgot to cancel it beforehand, that I would have to call the merchant that the payment went to. I called the merchant, which was XXXX, a leasing/loan company, and they told me over the phone at around XXXXXXXX XXXX. that they would in fact cancel the transaction and I would have the {$350.00} back in my account within a few business days. Later that night at around XXXXXXXX XXXX, I get a notification from the discover app that my account was suspended due to pending closure. I called discover customer service and was told that my account, which still had funds in the amount of {$380.00} in my checking and about {$190.00} in my savings, was being closed due to recent activity. I explained that any and all activity on my account was authorized by myself and I had not reported any suspicious or fraudulent activities on my account. I was then told that any funds remaining in my account could be transferred into an external linked account, which did not work, and I am unable to link the account to any of my other accounts due to it being inactive. I was then told that I would have to wait 10-15 days after my last deposit for a check of my remaining funds. When I called back around XXXX XXXX to see if its possible for them to link an external account or if I could get another bank to transfer the funds into a new account, I was told that I would have to wait for the check. This is a huge inconvenience and extremely frustrating situation. I had no warning, no type of communication whatsoever that this would happen. The very least they could have done was made it so that I had time to withdraw my funds before they closed the account. This is extremely disappointing and unprofessional and I will not be using discover or any online banking service again. I have had way to many issues and problems with these banks and there poor customer service.
Consumer complaint received 2024-07-20
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: FactorTrust, Inc. (FL)

I am a survivor of XXXX XXXX, a form of XXXX XXXX where I was coerced into accumulating debts. This situation has left derogatory marks on my credit report. I am currently receiving assistance from a representative at the XXXX XXXX, a dedicated organization for XXXX XXXX survivors. Together, we are invoking Section 605C of the Fair Credit Reporting Act ( FCRA ), which mandates credit reporting agencies to remove adverse information related to trafficking upon filing an official claim
Consumer complaint received 2024-06-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

I am banking with Wells Fargo. I disputed 2 transaction. One for {$25.00} and another for {$79.00}. 
I only received a final credit for {$25.00} and the other transaction, they needed documentation. I had provided documentation every day from XX/XX/XXXX to XX/XX/XXXX and they claim they have not received anything. I have contacted the merchant as well and no response after the initial policy states a refund is warranted with doctors documentation. Wells Fargo is refusing to issue my refund after many attempts of submitting documentation.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Park Hill Holdings (VA)

Dear CFPB, I hope this letter finds you well. I am writing to bring to your attention a concerning issue I have encountered regarding my credit report. I believe there are inaccuracies, specifically in relation to rental history information provided by CoreLogic. These inaccuracies are impeding my ability to secure housing, and I kindly request your assistance in investigating and correcting this matter promptly.

I have thoroughly reviewed my credit report, and I have identified discrepancies in the rental history section provided by CoreLogic. The information appears to be false and is adversely affecting my ability to secure housing. I understand that, under the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate information on their credit reports. 

I am requesting that the CFPB investigate this matter and work towards the swift correction or removal of the inaccurate rental history information associated with my credit report. I believe this action is essential for me to exercise my right to fair and accurate credit reporting as outlined by the FCRA. 

Enclosed with this letter, please find supporting documentation, including copies of my credit report highlighting the inaccuracies in question. I am willing to provide any additional information required to facilitate a thorough investigation into this matter. 

I appreciate your attention to this issue and your assistance in resolving it. Please inform me of the steps taken and the progress of the investigation.
Consumer complaint received 2023-11-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

I was under the Public Student Loan Forgiveness Program with FedLoan Servicing. They have lost their contract with the US dept of Ed. They no longer exist. I made a payment to them on XX/XX/23 for the amount of {$190.00}. I need them to return my payment as they no longer exist. I have to now send that payment to XXXX. The address it was paid to is FedLoan Servicing Payee address XXXX XXXX XXXX XXXX, GA XXXX Payment was made via my online pay banking services.
Consumer complaint received 2024-06-07
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)

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 : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 XXXXXX/XX/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 2024-06-07
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: EQUIFAX, INC. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CA)

I have been working in the non profit art and education industry for the past 14 years. When I first graduated from college, I was told that I could not sign up for PSLF because I did not work full time at ONE non profit. I continuously worked " part time '' for multiple non profits being much more than 30 hours a week between the two employers. Whenever I would check with FedLoan, I would be told that I did not qualify for PSLF because I did not work full-time at ONE non profit. For that reason, I was not allowed to sign up for PSLF and there did not stick to IBR. In XXXX I finally started a full-time job at a non profit. I was excited to finally be able to work towards PSLF. Unfortunately when i called FedLoan, I was told that I couldn't enroll because I hadn't been enrolled in IBR plans previously. I was again told that part-time jobs ( that combined equalled 30+ hours a week ) did not count towards qualifying employment. At this point, I was told that while I did qualify to start making qualifying payments at the time, I shouldn't. The reason I was given was that I owed {$20000.00} and the service representative told me that I would pay off my debt before 120 qualifying payments were made. I was told that if I started doing IBR and PSLF I would be adding time on to my loan. Now, I learned that this person was incorrect and I could have made 120 qualifying payments by now had I started in the plan when I initially called. I have been frustrated about this for years but felt too defeated to bother trying to do anything about. With some student loan providers being held accountable lately, I was encouraged to just get my PSLF enrollment started now and file my complaint about previous misinformation. It is so frustrating that when I look at my PSLF document, it shows that I have made ONE qualifying payment ; when in reality I have been following the requirements since XXXX. ( When I refer to 'non-profit " I am referring to a qualifying 501c3 ).
Consumer complaint received 2024-06-07
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 appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
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 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 2023-08-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IN)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2023-10-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (WI)

Aidvantage said I had to recertify my income before it was necessary. They said I needed to recertify by XX/XX/XXXX but according to information from the Federal Student Aid Website the earliest that I would need to recertify is XX/XX/XXXX. This in turn will cost me about {$2500.00} in payment that I did not need to pay. Additionally, information on their website should be factually correct instead of deceptive in nature. Please see the attached documents for the conflicting information.
Consumer complaint received 2016-10-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: National Enterprise Systems, Inc. (FL)

After XXXX, I could not find a ( XXXX XXXX job outside XXXX. I could not afford the loan payments ( $ XXXX. ), so I began underpaying each month. I was in contact with XXXX XXXX, but they would not work with me to lower my payments. Then, after a job change, I became unable to make payments, which put me into default ( staying in contact with XXXX XXXX, asking for help ). XXXX XXXX then sold/transferred my loan to National Enterprise Solutions ( NES ). It was n't until much later, after a long time of non-payment and after speaking with my father, they finally worked out a deal with me. I will be attaching this contract. A stipulation in my payment agreement was that funds were to be automatically taken out of my account every month @ $ XXXX. In 2013, this stopped happening and no more payments were coming out of my bank account. Next, I learn that this new company was refusing to recognize my former agreement, and denied me a continuation of said payments, saying that it " makes no sense ''. The man with whom I spoke was patronizing and rude, so I ended the conversation and have not answered phone calls. I consulted with a financial expert and was told that they were legally obligated to honor the previous contract. But they are not continuing, and they insist I owe much more per month to them ; and are now wanting to ( garnish my wages ). I believe I am due my contracted agreement.
Consumer complaint received 2024-07-19
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: FactorTrust, Inc. (FL)

I am a debt bondage survivor, a form of human trafficking where I was compelled to incur debts under coercion, leading to several negative entries on my credit report. I am currently working with a representative from the XXXX XXXX, which assists human trafficking survivors. We are utilizing the protections afforded under Section 605C of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies remove adverse information associated with trafficking experiences upon the submission of an official claim.
Consumer complaint received 2023-09-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC (IL)

On XX/XX/XXXX, I authorized a payment of {$5400.00} to the Illinois XXXX XXXX XXXX XXXX XXXX ) via the loan servicer Heartland ESCI. I received an online receipt of this payment and online confirmation that it was processed. The intent of the payment was to pay off a XXXX XXXX in full. 

At some point shortly after ( I believe before XX/XX/XXXX ) XXXX transferred my loan to XXXX XXXX XXXX XXXX XXXX ( no relation to XXXX XXXX, as far as I know ). XXXX XXXX XXXX XXXX XXXX has no record of the {$5400.00} payment being made. XXXX XXXX still shows a record of the {$5400.00} payment, and per my calls to XXXX their records show the loan as paid in full. However ECSI XXXX XXXX XXXX XXXX provides no mechanism to submit any documents and their customer service line insists that the university ( XXXX  ) must reach out to them directly. 

I have attempted to resolve this issue through XXXX several times ( starting on XX/XX/XXXX and most recently on XXXX ) and been assured that " it will be fixed '' but I have seen no concrete change on the XXXX XXXX XXXX XXXX XXXX account. As of XX/XX/XXXX with the end of the student loan pause XXXX XXXX XXXX XXXX XXXX has sent a demand for payment. Given the apparent inability or unwillingness of the parties ( XXXX and XXXX ) to resolve this matter or allow me to do so, I now escalate it.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC. (WV)

I am fillinf this compliant again, to inform you, that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of any information in my credit file that resulted from an alleged identity theft. 
XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$6100.00} GXXXX XXXX XXXXXXXX Balance {$590.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$1100.00} XXXX XXXXXXXX Balance {$2400.00} XXXX XXXXXXXX XXXX Balance {$6100.00} XXXX XXXX Balance {$0.00} XXXX XXXXXXXX XXXX Balance {$6100.00} XXXX XXXX XXXX Balance {$590.00} XXXX XXXXXXXX {$0.00} XXXX XXXXXXXX XXXX Balance {$1100.00} XXXX XXXX Balance {$2400.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$6100.00} XXXX XXXX XXXX Balance {$590.00} XXXX XXXXXXXX {$0.00} XXXX XXXXXXXX XXXX Balance {$1100.00} BXXXX XXXXXXXX Balance {$2400.00}
Consumer complaint received 2024-06-14
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO. (OR)

I took a customers personal check for {$4000.00} into the Chase branch at XXXX XXXX XXXX XXXX XXXX, XXXX, OR XXXX and they would not cash the check. They told me they would not cash anything over {$2500.00}. So I asked to get the {$2500.00} cash and the remaining in a cashiers check and they would not do that either. So going forward I will not be able to do business with anyone who banks with chase bank because I wont be able to cash their checks.
Consumer complaint received 2023-08-25
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. (IN)

I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2023-10-25
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. (OH)

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  Bankruptcy Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-11-06
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. (TX)

I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Consumer complaint received 2023-08-02
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. (AR)

I am submitting this complaint myself and there is no third party involved. I alleged that Credit Bureaus have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report, resulting in significant harm to my financial standing and reputation. These items were inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 605b. I have done many attempts to reach out to Three Credit Bureaus but they failed to give me any results or feedback about this concern, Please help me investigate these items properly and remove them from my personal credit file : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX