davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (WI)

XXXX : made phone call to Mohela to see why loan forbearance was discontinued and way payment was due when no information was received on progress of teacher loan forgiveness. 

XXXX sat on phone for over 100 minutes waiting on them reviewing my account and telling me what the status of my loans was. They kept placing me on holds. Told me my school wasnt on list of qualifying schools and that the chief of school districts should have know. School is on the list located at student aid.gov XXXX customer service representative turned on automated hello I cant hear you and hung up. 

Issue was not resolved.
Consumer complaint received 2024-05-05
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. (NM)

According to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit report. This is for the following charge-off accounts listed below ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) Technically, this account has been sold to a new lender. This account can no longer be reported legally this can not be reported if a charge off on my credit report if the account was sold to another lender. After checking my most current report the updated information stated this account was still being reported. This account can not be reported as a charge off on my credit report. Please cease the reporting and delete this account.
Consumer complaint received 2024-07-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (NC)

On XX/XX/XXXX, I went to XXXX XXXX to get a money order for the amount of {$230000.00}. I Not getting the money order due to the system being down in my card was not taking on the machine. When I found the dispute, truest bank immediately denied my claim when I contacted them they told me they had no further information and that they can not reopen my claim.
Consumer complaint received 2024-01-09
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I used a Capital One card to pay for a 3-month engagement with a merchant ( XXXX ). Each month, I was billed {$3900.00} in exchange for a Conversion Rate Optimization program. 

The merchant guaranteed ( in writing ) a 100 % increase in my conversion rate or my money back. At the end of the 3 month period, they had delivered only a 3 % increase. So naturally I asked for a refund. The merchant requested that I allow them a 4th month to try to deliver on the guarantee. I agreed. At the end of the 4th month, they had still only delivered a 3 % increase. Again, I asked for a refund. This time, the merchant refused to issue a refund. 

So, I turned to Capital One to open 3 disputes ( for {$3900.00} each ). I provided Capital One with all of the requested information by the deadline. A week later, Capital One rejected my dispute -- claiming that I needed to submit an invoice. It's important to note that their original documentation asked for an invoice OR a purchase agreement. I had provided the latter. 

After this rejection, I supplied an invoice and reopened the case. Two weeks later, Captial One responded rejecting the dispute once more. This time, they claimed I had missed their internal deadline. It's important to note that this internal deadline was never once communicated to me. Now, Capital One refuses to open the dispute on my behalf. 

I had a very simple open-and-shut dispute ( the money-back agreement is in writing ) worth {$11000.00}. Yet Capital One stood in my way at every turn. Their internal deadline and their failure to communicate it to me have now cost me a very significant amount of money.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Upstart Holdings, Inc. (NY)

In accordance with the Fair Credit Reporting Act, XXXX XXXX has violated my rights. Under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-01-17
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. (TX)

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.

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 XXXX 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 2024-05-04
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. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-03
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: EQUIFAX, INC. (FL)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
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: Experian Information Solutions Inc. (SC)

This is the several times I've complained about being a victim of identity theft. You must remove/block these items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, SC  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC  XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2023-09-26
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. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my 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
Consumer complaint received 2024-01-16
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. (TX)

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. 

has violated my rights. Or a 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 2024-01-17
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. (NM)

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.

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 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

The overwhelming stress and sleep disturbances resulting from this issue are exacerbated by the fact that I have diligently adhered to payment deadlines for this account. It's frustrating to encounter problems for actions I haven't undertaken. I earnestly implore you to swiftly resolve this issue, ensuring that my account accurately reflects the correct information and relieving the unnecessary strain it has caused me.
Consumer complaint received 2024-07-13
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (TX)

I had an account with Rooms To Go through Synchrony Bank for about a year, maybe longer. Without any prior notice, they first lowered my credit limit and then closed my account entirely. When I demanded an explanation, they provided inaccurate information. I asked for more details about their decision, but they claimed they didn't have to elaborate. The reasons they gave were false, and the information they provided didn't add up.
Consumer complaint received 2024-01-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (MA)

I received a synchrony bank XXXX card in the mail. I never activated it. I have XXXX XXXX accounts which I have paid from my bank account including XXXX XXXX the period when synchrony said i owed them XXXX plus fines for non payment I never activated the card or used it. My two XXXX accounts have been paid from my bank account The harassing phone calls and emails need to stop. They are insistent that I owe them {$160.00}
Consumer complaint received 2024-01-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

We had a car broken into. The thief stole credit cards, purse and wallet. The card within an hour was used at a local mall and combined spend over {$1000.00} within a few hours. 

Once we were alerted by the card of high transactions, we froze all cards. Police report was filed and theft was reported. 

Reported the theft to Bank of America and requested new card. They reversed charges, today after a month they reversed charges to our account claiming we gave the thief permission to use the card. 

We sent in police reports and validated that these claims are completely false. We have no idea who broke in nor would we allow them to use the cards they stole.
Consumer complaint received 2024-05-04
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. (PA)

XXXX XXXX - XX/XX/XXXX TRANSUNION XXXX - XX/XX/XXXX TRANSUNION XXXX XXXX - XX/XX/XXXX TRANSUNION XXXX CO XXXX XX/XX/XXXX TRANSUNION XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XXXX XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XXXX - XX/XX/XXXX TRANSUNION XXXX XXXX - XX/XX/XXXX TRANSUNION XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XXXX - XX/XX/XXXX TRANSUNION XXXX  XXXX XX/XX/XXXX TRANSUNION XXXX - XX/XX/XXXX TRANSUNION XXXX XXXX - XX/XX/XXXX TRANSUNION
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 Account Number : XXXX Account Name : XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2024-02-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Security Credit Services, LLC (GA)

I '' ve sent out several debt collection validation letters to Security Credit Services to the address the company provided on my XXXX and XXXX XXXX credit report. The letters came back as return to sender. This is a violation of the FCRA. All information reporting must be accurate and correct. I have requested and still requesting that is collection be deleted promptly from my XXXX and XXXX XXXX credit report and that I am compensated for this violation that adversely affecting my credit worthiness. I have attached proof of my claim.
Consumer complaint received 2024-06-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I recieced an email from Bank of America regarding how to set up online access for my account. Also received another email about being denied a credit card. 

I did not apply for either a checking account or credit card with Bank of America
Consumer complaint received 2023-08-30
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. (FL)

I have no knowledge and did not consent for my information to be used by these companies. Please remove the following inquires, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (GA)

On XX/XX/XXXX I was informed that I had XXXX PSLF qualifying payments and needed XXXX remaining payments to be finished with my PSLF process so that my loans could be forgiven. I had to start back up making payments on XX/XX/XXXX in the amount of {$350.00} and I did so as well as on XX/XX/XXXX. The amount was deducted electronically from my bank account and paid to the Department of Education. On XX/XX/XXXX, I received an automatic withdrawal notice for my payment due on XX/XX/XXXX. However, on XX/XX/XXXX I received a letter about an automatic withdrawal in the amount of {$190.00} due on the XXXX so I logged in to see what was going on for the amount to drop. On XX/XX/XXXX, I received a letter of Financial Activity for Loans. My original loans that I had been paying on were Loans XXXX and XXXX. The loans had been broken up and changed to loans XXXX, XXXX, and XXXX. They still totaled the same amount of money owed but now the payment count had been changed. It is now showing that I have XXXX qualifying payments with XXXX remaining payments to be made. I also received a delinquency notice that is still showing that I owe {$86.00} for loan XXXX but I paid {$150.00} on XX/XX/XXXX with XXXX of Mohela 's agents over the phone and it was deducted out of my bank account on XX/XX/XXXX. I have contacted them numerous times and they just keep saying this is a Department of Education problem and there is nothing they can do. So they deducted the {$350.00} out of my account just in XXXX different deductions so nothing should be owed. I am 2 years from retiring and XX/XX/XXXX should be my final payment. They informed me that I would have to continue to make these payments until all this was straightened out and I would receive a refund it needed 90 days after it was straightened out. This is unacceptable and I don't have {$350.00} to keep paying them until they decide to fix the mess they have made with my loans. I haven't been late and I haven't done anything other than what they have required. I don't know what else to do but I don't have the extra money to just keep making payments when XX/XX/XXXX, should be my XXXX qualifying payment. Please advise me as to what I need to do.
Consumer complaint received 2024-01-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: AmeriHome Mortgage Company, LLC (OH)

lender put me on forbearance till end of XXXX, XXXX. i asked about a flex modification with XXXX XXXX and the amounts and figures were scary and they put the flex mod through and ended forbearance without letting ne know this would happen. now i dont have any options with any repayment plans anymore when i was told at end of forbearance i would be able to defer the 6 months back fault and now without a signature or verbal agreement they changed my loan with no other options but foreclosure when i kept in communication throughout. they ended forbearance without discussing anything with ne. i had a covid hardship and am able to do monthly payments but the amount owed is now due now or they proceed in foreclosure when the whole time i was telling them the financial situation and end of forbearance can and wanted deferral. 
i asked about the flex modify not to proceed with it when i have clue why the amounts are so high and no explaining again. My loan was changed completely with out my agreement.
Consumer complaint received 2024-06-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NY)

On XX/XX/year>, I tried accessing my account online and was unable to do so. I called and spoke to XXXX and XXXX but they were unable to help me. 

Please help me to gain access to my account. 

Thank you. 

XXXX XXXX XXXX