davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-17
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: MOHELA (TX)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX, Texas Laws Dear MOHELA/DOFED, I am writing to address a serious violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), the Texas Finance Code under Sections 392.301 and 392.305, and identity fraud laws, specifically Texas Penal Code Section 32.51 . 

It has unequivocally come to my attention that MOHELA/DOFED has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that consumer consent is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, Texas state law, specifically Section 392.301 of the Texas Finance Code, emphasizes the necessity of consumer consent for credit reporting. Furthermore, Section 392.305 of the Texas Finance Code establishes clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity fraud laws, such as Texas Penal Code Section 32.51, underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for MOHELA/DOFED to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that MOHELA/DOFED immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 392.301 and 392.305 of the Texas Finance Code. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, Texas state law, and identity fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that MOHELA/DOFED will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith, XXXX XXXX
Consumer complaint received 2024-05-17
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA (MA)

My student loans were forgiven with MOEHLA in XX/XX/XXXX. These loans are still shown as fully active on all my credit reports. I messaged MOEHLA twice without a response. I finally got through to the credit department on the phone ( after being on hold at least XXXX hours ), and they said they would fix this on XX/XX/XXXX. It till is not fixed and there is no direct extension for the credit department with MOEHLA. It's impossible to get through the automated system to talk with an actual person. I need these loans to reflect that they have been paid on my credit report ASAP. 

thanks XXXX XXXX
Consumer complaint received 2024-07-15
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)

Recently, I did an investigation on my credit report which caused XXXX XXXX  upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-05-17
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. (NY)

Name : XXXX XXXX XXXX or XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NY XXXX XXXX : XX/XX/XXXX RE : Last XXXX of XXXX : XXXX XX/XX/XXXX To Whom It XXXX Concern : I have recently been informed that there is negative information reported by the Credit that starts with my opened and applying for a personal loan XX/XX/XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry such as " I owe {$0.00} '' or " my account was charged off and collection delinquents due inaccurate activities reported and disputed by all three credit bureau and the consumers agency I challenge the accuracy, compliance and report ability of this listing. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 15 USC 1611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to false and misleading denial or any means of automated verification.
Consumer complaint received 2024-06-11
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. (TN)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2024-06-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Experian, XXXX and XXXX are reporting late payments on account XXXX XXXX during XXXX and XXXX. According to the Fair Credit Reporting Act late payments are a violation under 15 USC 1666b.
Consumer complaint received 2024-05-15
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. (FL)

I am writing to highlight the provisions outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681, Section XXXX ( a ). This section underscores the crucial role of consumer reporting agencies ( CRAs ) within our financial system and emphasizes the need to treat consumers fairly, impartially, and with respect for their privacy rights. 
Given that both XXXX and XXXX function as consumer reporting agencies, it is essential that they adhere to the principles set forth in the FCRA. As a consumer, I assert my right to ensure the confidentiality of my private information and to prevent unauthorized sharing. This right is supported by 15 U.S. Code 6801, which places an obligation on financial institutions to safeguard customer privacy. 
Furthermore, according to 15 U.S. Code 1681, Section XXXX ( a ) ( XXXX ), consumer reporting agencies may only furnish consumer reports with explicit written consent. I have not provided such consent, and any previous consent granted to XXXX, XXXX, or other information furnishers to credit agencies is hereby revoked. 
Additionally, 15 U.S. Code 6802 ( b ) mandates that financial institutions inform consumers of their right to opt out of information disclosure. Unfortunately, this requirement has not been adequately met by XXXX and XXXX. 
Moreover, 15 U.S. Code 1681C ( a ) ( XXXX ) explicitly prohibits consumer reporting agencies from including adverse items in reports without proper authorization. XXXX and XXXX must adhere to this standard. 
Lastly, 15 U.S. Code 1681s-2 ( A ) ( XXXX ) prohibits the furnishing of inaccurate information, while 15 U.S. Code 1681e requires consumer reporting agencies to maintain reasonable procedures to prevent violations. It appears that XXXX and XXXX are falling short in meeting these standards. 
I HAVE PROVIDED NO WRITTEN CONSENT REASONABLE PROCEDURES WERE NOT MAINTAINED PROPER AUTHORIZATION WAS NOT GIVEN MY PRIVACY WAS VIOLATED Thank you for your attention to this matter
Consumer complaint received 2024-05-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Meta Payments Inc. (OR)

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX, DE XXXX. 
( XXXX ) XXXX XXXXXX/XX/XXXXMeta XXXX, XXXX XXXX, California, XXXX ( XXXX ) XXXX I've reached out to XXXX for my account being compromised on the date of : XX/XX/2023 for multiple possible purchases made through my accounts, identity being compromised through their helpline # that turned out to be decisive. Fraudulent. My identity was compromised accounts were opened up, and XXXX never has fixed this to this day or compensated me for my credit being ruined and hardship and loss of money and control over my identity being sold out all over the Internet. Possibly thousands of dollars by using my identity to purchase crypto through my XXXX being hacked.
Consumer complaint received 2024-05-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Negative impact of inaccurate appraisal
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

loan appraisal was grossly under assessed due to red lining an the appraisal dispute was not granted as well as the charge of {$4100.00} that was paid to the finance company. 
comparable appraisal were submitted, but was not accepted that indicated the appraisal was not legitimate.
Consumer complaint received 2024-05-02
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Yamaha Motor Finance Corporation USA (TX)

on XXXX i decided to finance a motorcycle ( total amount financed {$16000.00} ) later on it was involved in an accident on XXXX and deemed a total loss by the insurance company XXXX and payment in the amount of {$13000.00} was issued. This amount was paid to XXXX XXXX XXXX on XXXX. With the remaining balance paid through the GAP insurance in two separate payments, one in the amount of {$990.00} and the other in the amount of {$1500.00}, both paid to XXXX XXXX XXXX. 

Payment was sent directly to the financial institution, in error the payment was added to the wrong motorcycle I also have financed with them months later ( {$12000.00} ) whose total amount was less than the payment that was issued. 

Due to no error on my behalf payment was added to the incorrect motorcycle ( {$12000.00} ). After numerous attempts to correct the issues, I was told that nothing could be done and that I would be liable for the amount that is still due on the motorcycle that was deemed a total loss. As it stands this error will cost me {$120.00} more a month which is about {$1.00} XXXX in one year.
Consumer complaint received 2024-04-03
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Sol Acceptance (CA)

The car was repossessed by law enforcement. During the negotiation process I was not makin payments until a decision was made due to the fact it was no longer in my possession. The lender calls me one day and claims that there was a court date which I was never appointed to, explaining that a sale took place an the bought the car back but wants me to still be responsible for the entire debt. Mind you all my payments were current prior to the repossession situation.
Consumer complaint received 2023-03-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO. (MS)

Anything that is showing up on my 3 bureau credit reporting company and any other data reporting company that take our info. I'm a person that has never had credit cause always denied and I always wonder why ... After 3 months of figuring out how credit company 's work and data company work and XXXX and XXXX and XXXX them sites work... I found out why I could never get credit and always had to operated using cash .... I've never had a car finance or a house because credit stayed messed up .... But how can my credit be messed up if I haven't ever had credit to mess up, I kept asking myself that question .... And end up coming across 9 merchants that has been fraudulent accessing history without my authorization .... Have tried disputing them thru XXXX but not getting help .... I just want my life that's been stolen for years now back and any funds taking from any trust to be recouped back and resourced back to the to rightful control in party in matter .... Companys like JPMCB I see why they trying to steal people info .... The news show them being bankrupt so now they try to hold others innocent ones down by messing up there name .... And I'm tired of wasting my life fixing somein I didn't have any place in doing .... I been a victim I this since birth when us state representatives change my birth certificate 18 days after born without authorization from the owner or his parents .... I have all my proof as well the same proof that bout to be submitted to OIG and supreme Court and secret services to present ....
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Meta Payments Inc. ()

Dear CFPB, I am writing to seek your assistance in resolving a concerning issue regarding the recent closure of my XXXX account by Meta. I believe that my case falls under the purview of the Consumer Financial Protection Bureau due to the financial implications and potential violations of consumer rights involved.

Earlier my Meta account was compromised due to a hacking incident, leading to unauthorized actions such as running certain advertisements without my knowledge or consent. Upon discovering this breach, I promptly reported the unauthorized activities to Meta and took immediate steps to secure my account.

It is crucial to highlight that I did not initiate or authorize the running of these advertisements. As my account was compromised through unauthorized access, I can not be held liable for any expenses incurred as a result of these actions. Consequently, I respectfully declined to pay the bill for the ads that were run without my consent. 

I understand the importance of adhering to the terms of service and policies outlined by Meta. However, in this instance, it is unjust and unreasonable to penalize me for actions that were beyond my control. 

Furthermore, the closure of my XXXX account infringes upon my rights to freedom of expression and communication, which are fundamental consumer rights. Social media platforms like XXXX serve as essential channels for individuals to express themselves, connect with others, and participate in meaningful discussions. 

In light of the circumstances described above, I kindly request the intervention of the Consumer Financial Protection Bureau to facilitate the resolution of this matter. I seek your assistance in urging Meta to reconsider its decision to close my account and to restore access to it without further delay. 

I assure you of my full cooperation in resolving any outstanding issues related to the unauthorized activities on my account. Your intervention in this matter would be greatly appreciated, and I remain hopeful for a swift and positive resolution. 

Thank you for your attention to this matter. 

Regards XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX
Consumer complaint received 2024-02-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Meta Payments Inc. (PA)

XX/XX/year> METAPAY*XXXX XXXXr XXXX XXXX XX/XX/year> METAPAY*XXXX XXXX XXXX XXXX XX/XX/year> METAPAY XXXX XXXX XXXX XXXX XX/XX/year> METAPAY XXXX XXXX XXXX XXXX XX/XX/year> METAPAY XXXX XXXX XXXX XXXX An entity used thisplatform to illegally acess and debit our checking account
Consumer complaint received 2024-08-16
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. (PA)

This morning, I was shocked and confused to find incorrect accounts appearing on my credit report. I routinely check it, but today, these errors seemed to appear out of nowhere. I even refreshed the page, thinking it might be a browser issue, but the inaccuracies remained. This has left me quite stressed, and Im asking that the documents Ive submitted be carefully reviewed so I can finally put this behind me.
Consumer complaint received 2024-01-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Meta Payments Inc. (KS)

On XX/XX/2024, I had hundreds of small dollar transactions authorized on my bank debit card. The last four digits of the card are XXXX. The amount of the transactions range from under {$1.00} to just under {$4.00}. In total, there are approximately {$1100.00} in charges that were debited from my bank account. 

I contacted XXXX ( MetaPay ) on XX/XX/2024 at approximately XXXX XXXX  CT and gave all of the transaction information to their call center. A case number was not provided. By XXXX XXXX, I received the following email. 

The charges do NOT appear in my XXXX account. Therefore, I am unable to dispute the charge online. 

Hi XXXX, Hi and thanks for contacting Meta. Unfortunately, we aren't able to locate any charges that match the information you've sent. Can you double check that the date and amount of any charges are correct, as well as the first and last XXXX digits of the card number? 

Please note that if there is another person who has a card on the same account, they will often have a different last four digits. 

We`re sorry for any inconvenience this has caused and we'll look into it as soon as we receive this information. 

Thanks, The Meta Pay Team
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I appreciate your time to REMOVED some of the items in my file that resulted from an erroneous credit report entry 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 # XXXX. Ive already included these issues in my previous complaint & FTC report, and I am including it again here in the new FTC report. Ive informed my attorney of my intentions & they are excited to hold you accountable in an event of your willful noncompliance : EXPERIAN : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$36000.00} XXXX XXXX XXXX XXXX Balance Owed : {$7000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$6200.00} XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX : XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$590.00} XXXX XXXX XXXX Balance Owed : {$37000.00} XXXX XXXX XXXX XXXX Balance Owed : {$3400.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$6200.00} XXXX XXXX Balance Owed : {$8400.00} XXXX : XXXX XXXX XXXX Balance Owed : {$36000.00} XXXX XXXX XXXX XXXX Balance Owed : {$8800.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$6200.00} XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX XX/XX/XXXX. Please note that you have 4 business days to remove the reporting of any items in my credit file that resulted from an incorrect credit reporting. I do not consent to E-OSCAR or any means of automated verification. I acknowledge your immediate attention to this matter and response within 4 business days.
Consumer complaint received 2024-08-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall REMOVE any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 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
Consumer complaint received 2024-07-05
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: CREDIT ACCEPTANCE CORPORATION (LA)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-07-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC. (AZ)

Hello my name is XXXX XXXX, Im requesting help due to fraudulent charges of my debit card and account which resulted in funds being depleted and used without my authorization. I contacted SoFi about my issue but no help I believe the funds were used with a digital wallet because I never had a physical card sent to me. Also the day these transactions took place my phone had been stolen, which had contained the account information and card in my digital wallet. This is how I believe the card was used to make these transactions which I did not authorized or make. 
XXXX. Transaction Date : XX/XX/year> Transaction Amount : $ XXXX Transaction Id : XXXX XXXXXXXX Claim Amount : {$200.00} Claim Date : XX/XX/year> XXXX. XXXX XXXX & XXXX Transaction Date : XX/XX/year> Transaction Amount : $ XXXX Transaction Id : XXXX XXXXXXXX Claim Amount : {$770.00} XXXX. Transaction Date : XX/XX/year> Transaction Amount : $ XXXX Transaction Id : XXXX XXXXXXXX Claim Amount : {$40.00}