davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MO)

I completed my IBRP application and have confirmation emails from student aid.gov on XX/XX/year>. My previous payment was around {$140.00} which I have been paying faithfully on time because I signed up for autopay. The new plan, the new SAVE plan is the one I chose. It estimated my payment to be around {$400.00}, as my family income has increased. Today MOHELA took {$1500.00} from my account. I called customer service because that is in no way what I signed up for. They had no even processed my application!! No record of it. The customer service person was kind, and agreed the situation didn't sound right. After putting me on hold came back saying something about there is an account " monitor '' that " checks on ability to pay on time '' and that's why they did that. She mentioned something about the promissory note saying they can do that. I mentioned to her I have applied for ( and am close to qualifying for PSLF ) She also said there is nothing they can do to refund my account but they put the account in forbearance until the application is processed. This behavior is not okay.
Consumer complaint received 2024-06-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

IT SEEMS I'M A VICTIM OF IDENTITY THEFT AND I HAVE A COUPLE OF ACCOUNTS AND INQUIRIES THAT NEEDS TO BE REMOVED IMMEDIATELY
Consumer complaint received 2024-08-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Experian Information Solutions Inc. (MA)

On XX/XX/year> I realized my debit card was missing and that there was fraud charges on my account. I contacted my bank and filed disputes for those charges. One of the questions I was asked was if I still had possession of my card which I said I did not. I even said that my card was lost or stolen on the form they required me to fill out sign and submit back to them. On XXXX XXXX I received an email from my bank stating my dispute was denied because I stated I still had my card and my card was needed to make those transactions.
Consumer complaint received 2017-03-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (MA)

Because of their terrible services, I cancelled XXXX cable/internet services on XXXX/2014. I paid it off and turned to XXXX ever since. It 's been about three years that they keep harassing me by sending me a bill of {$120.00} which I DO N'T OWE. I have provided them the evidence and documents according to which I do n't owe them a penny, but they keep sending the same bill via a collecting company. This has impacted my credit score and I want to buy a home. Please help me get rid of them.
Consumer complaint received 2024-08-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (PA)

This is in reference to previous complaint filed with you under XXXX XXXX XXXX. They sued me in court. The case went to a hearing on XXXX XXXX, 2924 ( see court case attachment ). LVNV did not provide one shred of proof that this was my account. Judgement by court was rendered on my behalf. LVNV was given XXXX ( XXXX ) days to appeal, they did not. Since that time I have been disputing to have this removed from my credit report and LVNV has refused to do so even after the court ruled against them as to this being my debt. I am requesting thru you to have them remove this as it is incorrect reporting on my credit report.
Consumer complaint received 2024-08-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (CA)

I was notified by XXXX credit monitoring service of a collections account in my name, however I have no record of being contacted by this company by either mail or phone. I am unsure of what the debt is for, what this company is, and why they believe I owe them something. It appears the collections record appeared out of no where, with no prior warning or communication.
Consumer complaint received 2024-05-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CapitalJ Inc. dba Juno (TX)

I have a Checking account with Juno ( https : //juno.finance ). In the past days, Juno 's banking services, including ACH transfers, wire transfers, and card transactions, have been disrupted. Cash services are unavailable. Juno states that this is due to issues with Juno 's banking service provider. 

Juno also states that the disruptions are due to issues with their banking services provider, XXXX XXXX  XXXX XXXX. And that, Juno is not responsible for the disruptions. They have been closely collaborating with XXXX XXXX  XXXX XXXX and their brokerage partner, XXXX XXXX XXXX, to resume normal service operations. But it's already been now for more than a week that my checking account is basically frozen.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to formally dispute inaccurate information contained in my credit report. Specifically, I have noticed a discrepancy between the balances reported by XXXX XXXX and TransUnion for the same account. 

According to my XXXX credit report, the balance is {$0.00} as of XX/XX/XXXX. However, my XXXX credit report shows a balance of {$110000.00} as of XX/XX/XXXX. Furthermore, according to TransUnion credit report show a balance of {$110000.00} and a report date of XX/XX/XXXX. These conflicting balances for the same account indicate an error that needs to be addressed and corrected immediately. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, Congress has articulated the purpose of the act, which includes ensuring the accuracy and fairness of credit reporting. As stated in the congressional findings and statement of purpose : Congressional Findings ( 15 U.S. Code 1681 ( a ) ) : " The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. '' Statement of Purpose ( 15 U.S. Code 1681 ( b ) ) : " It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. '' In light of these findings, I request that an immediate investigation be conducted to reconcile the discrepancy between the three reports. I also request that my credit reports be updated to reflect accurate information. Enclosed are copies of both credit reports highlighting the discrepancies.
Consumer complaint received 2023-08-03
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: Experian Information Solutions Inc. (NV)

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to formally dispute the bankruptcy information listed on my credit report under the Fair Credit Reporting Act ( 15 U.S. Code 1681b ). According to my credit report, there is an entry related to a bankruptcy that I believe to be incorrect. 

Please investigate the following bankruptcy information and remove or correct any inaccuracies : Bankruptcy Case Number : XXXX Filing Date : XX/XX/year> Court Location : XXXX XXXX  XXXX In accordance with 15 U.S. Code 1681b, which outlines the permissible purposes for accessing and sharing credit information, I am requesting that you : Verify the bankruptcy information : Conduct a thorough investigation to verify the accuracy of the bankruptcy information listed on my credit report. 

Provide documentation : Provide me with copies of all documentation and records used to verify the bankruptcy information. 

Remove or correct inaccuracies : If the investigation reveals that the information is inaccurate or can not be verified, please remove or correct the bankruptcy entry from my credit report.
Consumer complaint received 2024-07-18
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. (GA)

I am writing to formally dispute the charge-offs reported by your companies to the credit reporting agencies regarding the accounts listed below : Account Number : XXXX XXXX Account Number XXXX Status : Paid in settlement. {$810.00} written off Closed Account Number : XXXX XXXX Account Number XXXX Statues : Account charged off {$12000.00}. Written off XXXX, 243 Under 15 U.S. Code 1692, I never provided written consent to furnish or obtain my personal information related to these accounts. According to the Fair Debt Collection Practices Act ( FDCPA ), any information furnished must be accurate and compliant with legal requirements. The inclusion of these charge-offs on my credit report is unauthorized and constitutes a violation of my rights under federal law. 

Furthermore, I reserve the right to utilize the arbitration process to seek compensation of {$1000.00} for each negative item reported without my written consent. The inaccuracies on my credit report have caused undue harm and financial distress, and I intend to hold your companies accountable for these violations.
Consumer complaint received 2024-07-18
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. (IL)

XXXX XXXX, respectfully moves this Honorable Court to compel Experian and XXXX XXXX XXXX XXXX XXXX to comply with the Fair Credit Reporting Act ( FCRA ) 605B, which mandates the removal of accounts resulting from identity theft within XXXX business days. Experian has failed to delete accounts as required by law, and I XXXX XXXX seeks damages for non-compliance. Identity Theft Notification : On XX/XX/XXXX, XXXX XXXX notified Experian of fraudulent accounts resulting from identity theft, providing all required documentation, including and identity theft affidavit. Non-Compliance with FCRA 605B : Despite proper notice, Experian and XXXX failed to remove the fraudulent accounts within four business days, violating FCRA XXXX. A. FCRA XXXX XXXX Statutory Requirement : FCRA 605B mandates prompt removal of fraudulent information upon receipt of proper documentation. 
Relevant Case Law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) XXXX to ensure report accuracy. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) Requirement for reasonable procedures for maximum accuracy. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) Duty for timely investigations and corrections. I refuse to pay this unverified debt and either these companies are in business to make profit using illegal and unethical and has misrepresented facts of this debt.
Consumer complaint received 2024-06-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Applied Data Finance, LLC (GA)

I am writing challenging compliantly act with certified proof that they are reporting complete, timely, not erroneous or they must remove the items immediately by the credit reporting agencies regarding the accounts listed below : Account : Personify Financial XXXX : XXXX XXXX Under 15 U.S. Code 1692, I never provided written consent to furnish or obtain my personal information related to these accounts. According to the Fair Debt Collection Practices Act ( FDCPA ), any information furnished must be accurate and compliant with legal requirements. The inclusion of these charge-offs on my credit report is unauthorized and constitutes a violation of my rights under federal law. 

Furthermore, I reserve the right to utilize the arbitration process to seek compensation of {$1000.00} for each negative item reported without my written consent. The inaccuracies on my credit report have caused undue harm and financial distress, and I intend to hold your companies accountable for these violations.
Consumer complaint received 2023-08-03
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: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-03-29
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: Optimum Outcomes, Inc. (LA)

My credit report is not reporting correctly. I have made several attempts to remove negative items that I believe occurred due to identity theft. These items has lowered my credit score and has made it difficult for me to get approved for housing. I followed the processes of a trusted advisor to aide in fixing this issue, so far some items have been removed but a few still remain on XXXX. I am hoping that with your assistance, I can finally remove these items to reflect only the items that belong to me on my report.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST NATIONAL BANK OF OMAHA (PA)

Fnb sent me late payment notification in XX/XX/year> when in fact I was expecting them to refund me for negative balance. 
They refused to update negative balance as required by FCRA to reflect balance as of XX/XX/year>. They refunded me in XXXX so there was no balance due in XXXX like they claim.
Consumer complaint received 2024-08-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Gurstel Law Firm, P.C. (AZ)

Gurstel Law Firm is suing me for XXXX for an old credit card account. XXXX is the company that bought the debt from XXXX XXXX XXXX. Gusted Law is representing XXXX. This debt has been moved around to company after company. I have requested information to verify the debt and requested the signature on this account guaranteeing payment. According to this Law Firm they claim the account was last used in XXXX. I refuse to pay the debt and want them to cease and desist any and all communication in any and all forums. They have harassed and embarrassed me. Sending people to multiple residents trying to serve me papers.
Consumer complaint received 2024-08-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (ID)

I obtained an auto loan in XXXX, XXXX from Wells Fargo. My loan terms specified there was no prepayment penalty and any amount over and above the monthly amortized payment would be applied directly to principal. I have made additional principal-only payments every month since then. 

I have the loan available to see on my phone app and the balance didn't seem to be lowering as expected. I have called several times and gone into the branch as well to complain that my loan payments must have been misapplied- to future interest and not to the principal at all. Each time I complained, I was simply told that additional payments were applied to principal, but was never allowed to have or provided with any actual accounting of how my payments were applied to the loan. I have requested this several times and told that it wasn't available for customers and was an " internal document. '' I was then referred back to my phone app, where it didn't add up. 

I was denied an accounting and misled to believe that my payments were handled legally and morally. Had I been granted access to an actual accounting of my payments and how they were applied, I would have been able to quickly dispute the matter and try to resolve it. 

Any help from the CFPB would be appreciated. I have gotten no assistance from Wells Fargo and need to remedy the misappropriation of my funds.
Consumer complaint received 2023-02-16
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: EQUIFAX, INC. (CA)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information 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 XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-25
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. (NC)

I am utterly disappointed right now, you complete disregard your own stated timeline. In your memo dated, it's explicitly stated that the results of the investigation would be provided to me within 30 days. That deadline has come and gone without a single word from them regarding the status or findings.

This lack of follow-through and blatant failure to uphold their commitment is unacceptable. You are the bureau and you have ample time to conduct your work and there is no justified reason for this excessive delay in sharing conclusions. In your memo built an expectation that I relied upon, and your inaction represents a breach of that assurance.
Consumer complaint received 2024-08-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unifin Inc. (NM)

I just received this text from XXXX ( XXXX ) XXXX This is Unifin a debt collector Contact us about ref # XXXX @ XXXX or XXXX XXXX XXXXXXXX ChargesMayApply Reply STOP to stop texts I do not owe money to anyone and do not recognize the company or the phone #.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (TX)

I would like to dispute inaccurate and harmful information on my credit report that is negatively impacting my XXXX score. Below are the details of the accounts in question : XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2024-08-16
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Paying off the loan
Company: BMO Bank, N.A. (OR)

I made XXXX attempts to pay the full balance of the XXXX online through the BMO site. All three times it was rejected, with no explanation as to why. When I called them I was informed that I was not permitted to pay the balance off online. I was told I had XXXX options : XXXX ) Go into a branch ( The closest branch to us is XXXX miles away ) XXXX ) I can pay for a wire transfer ( estimate {$20.00} ) XXXX ) He can take a payment over the phone for {$11.00} fee. 

He then offered to send me a payoff statement. The only options to receive that was for him to postal mail it or to fax it. I do not have an archaic fax machine. 

We requested a payoff amount over the phone so we could send in a check ( which was never suggested by him ) and they were unable to give us that amount. 

Regardless of which option I choose, I am paying a daily APR on my loan or a fee to pay off the loan.

I think BMO needs to be investigated for hidden fees and misrepresentation of their policy of being able to pay off the loan early.