davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

While traveling in the XXXX on XX/XX/2023 I was overcharged by a taxi service called XXXX XXXX. For what should have been a {$32.00} taxi ride I was charged over {$2400.00}. The taxi driver inserted my card into the reader multiple times and claimed that the card was being declined. He refused to give me a receipt and became irate when I questioned him. I did not feel safe. Two days later the charges showed up on my app and I immediately reached out to Bank of America. They said I would need to dispute the charges which I did. I was told that since I willingly handed my card to the merchant, I am responsible for the charges. They said it was not fraud. I have called the bank many times and appealed their decision. I have written them letters and have gotten nowhere. They said I am responsible to pay. I used the credit card for this reason so that I am protected against fraud or theft. I have banked with them for over 25 years, no one will listen to me. They said their lawyers make the decision. Please help me appeal this. They said if I had reported the card stolen I would have been protected against these charges. I did not give this merchant permission to charge me {$2000.00}. It is just like he stole from me.
Consumer complaint received 2023-10-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (CA)

I am a recent graduate and my loan repayment will begin around this current time frame. I need to change my repayment plan as I have never even been able to login to access my information. I have attempted to login to my account on my loan service provider 's website countless times and have had no luck. I try to enter my SSN and Birthday to help create my account or find my UserID, but it always says " No records found ''. At the same time, I am getting emails from Aidvantage about my payment coming up. When I have called them, I just get the automated message and it did recognize the last 4 digits of my SSN and told me my first payment would be due on XXXX, but the thing is, I can't even log in to make the payments. Every other time that I've tried to call, the automated message says that they are forwarding me to a representative, and from there it just rings endlessly with absolutely zero updates about time estimates or how many people are ahead of you in the queue. I have waited for close to 2 hours on numerous occasions. Furthermore, there isn't even an email or Help Center contact information on their website that you can reach out to. This is completely unacceptable. They are playing with people 's lives.
Consumer complaint received 2023-10-11
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-11
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. (SC)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2023-10-11
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

was in Kohl 's Store in XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ] on the XX/XX/XXXX or XX/XX/XXXX when I could not charge the merchandise wanted to purchase because I was over the credit limit. My XXXX Kohl 's statement shows I made a payment of {$250.00} on XX/XX/XXXX. It also shows I purchased {$410.00} the same date XX/XX/XXXX. Impossible-I was in the XXXX XXXX  in Pennsylvania. I made the payment on my Debit Card from my hotel room. I wasn't anywhere near the state of Maryland that day, so how could I charge {$410.00} on the same day? The store XXXX took my 'cash ' and it paid off the entire balance on one of the two XXXX dates above. Something is very wrong with this account. I need it investigated from XXXX with everyday looked at. If it shows " NO {$700.00} CASH PAYMENT '' on the account then your store XXXX, who already admitted to me in front of two Kohl 's employee 's on XX/XX/XXXX that he took my cash and applied it to my account. If he did what he admitted too-where 's my money and why was it never applied to the account. The store XXXX went in the office behind customer service that evening to find where I had paid " cash '' on my account. After waiting for an answer for over an hour he promised he would call me that coming Monday. After waiting for over XXXX weeks I again went back to the store and a XXXX XXXX XXXX  said he would find it and would also call me. NO CALL EVER CAME! Went back to the store and had a management group assembled at customer service desk and told them all " I SMELL A XXXX  '' because no one at Kohl 's can find this transaction. Someone has my money at XXXX!!! {$700.00} just didn't get up and walk out of the store-OR DID IT????
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Early Warning Services, LLC (FL)

Ews has been sharing my info with other affiliates after I opted out of there services they are asking like a government agency and saying that they can pretty much do whatever they want and I have rights consumer credit rights
Consumer complaint received 2023-07-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and anxiety. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.
Consumer complaint received 2023-10-11
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. (UT)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Open Accounts : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  Closed Accounts : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-11
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. (UT)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Open Accounts : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX Closed Accounts : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-22
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: Advantage Credit, Inc. (FL)

XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of unauthorized credit inquiries on my XXXX credit report. My latest credit report shows credit inquiries that I did not authorize. 
I am writing to dispute the following inquiries and ask for their removal from my credit report. 

COMPANY DATE CREDIT BUREAU XXXX XXXX XX/XX/XXXX XXXX ADVANTAGE XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Please have these unapproved inquiries removed from my credit report within 30 days, as it is harming my ability to obtain new credit. 

I would appreciate a copy of my credit report once this issue is resolved. 

Thank you for your assistance. 

Sincerely, XXXX XXXX.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2018-07-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC (NY)

XXXX XXXX XXXX XXXX amount XXXX date XX/XX/XXXX. collection agency sent a letter stating they had bought a debt from original creditor from XX/XX/XXXX. The collection agency re-aged this debt and reported it to XXXX with the most recent date not the original delinquency date I have disputed with XXXX  and they are validating this to be true I have never made a payment and have disputed this debt in the past and it has never been verified.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2023-10-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Rocket Mortgage, LLC (FL)

I was shopping for a HELOC and I was contacted by XXXX XXXX from Rocket Mortgage NMLS # XXXX. I was very specific with what I was looking for and asked what the minimum credit sore was for a HELOC and told him what my score was and that I do not want them to run my credit if my score did not fit their program. He lied and tried telling me about a different program and still ran my credit even after I asked what the minimum score was and told him my score. 

He was very deceptive and does not listen to the consumer, ran my credit without permission because he lied to get it.
Consumer complaint received 2023-12-10
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (IL)

Was sent a flyer stating that I hadn't used my MACY 's card for 27 months ( I lost the card and could not find it ). I finally found it and tried using over the XXXX Friday week-end. It came up that there was no account number like that. Tried calling in my order and the voice said that there was no such number. I called Macy on XX/XX/2023 at XXXX and talked to XXXX. Was told that the account was closed on XX/XX/2023 and she could not open it back up. Read her the promotion and could use the Macy 's card and get 25 % off my purchases. I said I want to talk to a Supervisor ( XXXX ) and she told me the same thing. Read her the promotion and said she was sorry. I told her that's not the way to do BUSINESS!! I called the television station and told them what had happened and they told me to file a complaint with you and to try and contact MACY 'S again. I called MACY 'S on XX/XX/2023 at XXXX and talked to XXXX. Told her the story and she transferred me to her Supervisor ( XXXX ). Again... We are sorry and they can't do anything about this situation. Said that maybe some higher ups would call me-YEAH RIGHT!!!
Consumer complaint received 2023-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

In accordance with the Fair Credit Reporting act XXXX Account, has violated my rights. 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
Consumer complaint received 2023-10-11
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY (TN)

I had mortgage since XXXX with Wells fargo and they illegally foreclosed on it on XXXX. 

I was entitled to a modification and I was also lied to and dual tracked and not given a date or noticed. 

I also WAS OWED SURPLUS MONEY IN EXCESS OF XXXX and this money was STOLEN BY WELL FARGO AND THEY LIED ABOUT IT.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated.
Consumer complaint received 2023-10-08
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. (GA)

I received my credit reports, and after carefully reviewing them, I discovered inaccuracies that I would want to have investigated into. In order to exercise my rights under 15 USC Section 1681i ( Procedures in case of disputed correctness ), I am writing this letter.

1. Reporting multiple discrepancies among bureaus and falsely stating I lived at addresses I never resided at below are the incorrect addresses that need to be removed asap. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
These Fraudulent addresses are connected to Fraudulent accounts XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXXXXXX I also have a few inquiries that a fraudulent and have been listed on my credit report this information is provided below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DO NO PLACE ANY EXTENDED FRAUD ALERT OR FREEZES ON ANY ACCOUNTS
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

OnXX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14, 1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.
Consumer complaint received 2023-10-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (FL)

In summary, I was put in automatic In School Deferment without asking me first, I spent a month trying to get this resolved before payments restarted. Then after I had made a payment much larger than what I was quoted for, I received word that my request was process and that I am for some reason also liable for XXXX 's payment as a late payment, which I was never made away of and everything I'm seeing is showing I should not be charged for. 

Time line of events in detail : On XX/XX/2023, Aidvantage put me on In School Deferment without notifying me first if this was something I'd want to have applied to my account. 

On XX/XX/XXXX I reached out via their web portal to get this canceled. 

On XX/XX/XXXX, I called into their support line and was told that my deferment would be removed and that my Expected payment date was XX/XX/XXXX for {$290.00}. 

I was told that this would be reflected on my account in a day or two but it was not. 

On the XXXX, I received an email from their inbox ( which I can't even respond to ) stating they are still working on the changes to my account. This was after claiming that my payment was supposed to be {$740.00} but then correcting themselves and providing no further information other than that this was a mistaken amount. 

On the XXXX of XXXX and the XXXX of XXXX I received the same email stating that my request was being processed and that I would be receiving more information soon. 

On the XXXX of XXXX, I submitted a payment of {$300.00} spread out across all of my loans allocated based on estimated repayment amounts and then a further {$150.00} to my loan with the lowest balance. This payment is still processing. 

Today on the XXXX of XXXX, I received word that the changes were finally made to my account, that my payment was indeed due on the XXXX, and that it would indeed be the {$290.00} I was quoted over the phone. 

When I checked on their web portal was XXXX listed ( this is fine, I imagine the payment I made will be processed and then this will be resolved ) but then I was marked for a late fee for a payment in XXXX. I was never made aware of needing to pay in XXXX and everything I'm seeing online is that my payment should only be for a date in XXXX, not in XXXX and not in the least a full month before I was being quoted as having my next payment due back on XX/XX/XXXX. 

I have now both sent in a new inquiry ( as there is no way to respond to them via email ) and have been on the phone waiting on hold for almost 40 minutes with no idea how long I'll need to wait in the middle of my work day.