davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION (CT)

the problem is with M & T bank since XX/XX/ 2022, and they never tried to help me, iI am so tired of this, went in person several times to 5 different branches traying to get help but, the bank was a mess that until this date nobody helped me to get my money back I am so upset, frustrated, very sad. 
in XX/XX/2022 I called my credit card and asked for an ACH deposit transfer to my checking account the amount was {$4800.00} but XXXX XXXX XXXX send the money to a wrong account number, I provided the wrong account number to M & T clerks and managers and they told me that XXXX XXXX XXXX need to do an ach reversal wich XXXX XXXX XXXXXXXX did like 5 times but M & t bank keeps rejecting them. and told them that they will fix the problem with me not with third parties, now my credit is damaged because M & T kept my money, money that XXXX XXXX XXXXXXXX wants me to pay and it is not fare because I never got that money. 
I provided to M & T bank transaction number and date the wrong account number were money was deposited all they had to do is move the money to the right account number they never did that, I spent hours and hours on the phone and lost hours of work time its very sad they didnt care. 
months have been passing and nobody cared. 
M & T ACH department tried to help and everytime send me to XXXX XXXX wich is a manager from XXXX branch, they told me that she will be able to transfer those funds to my account and she never did, all she said was that was that was XXXX error.
Consumer complaint received 2024-04-19
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 am deeply troubled by the presence of this late payment on my account, given my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account.
Consumer complaint received 2024-04-19
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 recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (GA)

My card was lost I filled the dispute in a timely manner and reported the card went the the bank bank to get a new card now all of sudden you guys not trying to give my money back or and you guys trying to close my account
Consumer complaint received 2024-04-19
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. (VA)

Despite our prior communications, it appears that there has been little progress in resolving this matter. As a concerned customer, I am increasingly troubled by the prolonged delay and its potential impact on our business relationship. 

I understand that resolving such issues may require time and effort, but it is essential to emphasize the urgency of this situation. The longer these open accounts remain unresolved, the greater the risk of financial strain and operational disruption for both parties. 

Therefore, I kindly request that you prioritize the resolution of the late open accounts and provide me with a concrete plan of action to expedite the process. Transparency and clear communication are vital in restoring confidence and ensuring a satisfactory outcome. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXX Balance Owed : {$3600.00} ; XXXX XXXX XXXX  Balance Owed : {$14000.00}.
Consumer complaint received 2023-12-18
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. (FL)

In accordance with the Fair Credit Reporting Act, account XXXX XXXX ( Number XXXX, Reference # XXXX ) has violated my rights. 

I am writing to report a violation of my rights under the Fair Credit Reporting Act ( FCRA ) by the Agencies ( TRANSUNION, XXXX XXXX ), account number XXXX Reference # XXXX company XXXX XXXX XXXX ( XXXX ) and the original creditor XXXX XXXX XXXX. As of XX/XX/, the reported amount owed is {$3000.00} and the status is listed as a collection account. 

Under the FCRA, my rights to privacy and control over the presentation of my credit information are clearly described and protected. Specifically, I would like to draw attention to two sections of the FCRA that have been violated : 1. 15 USC 1681 Section 602 ( a ) - Right to Privacy : This section explicitly states my right to privacy regarding the information contained in my credit reports. It protects against unauthorized disclosure of my personal financial data and emphasizes the importance of maintaining the confidentiality of this information. 

2. 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) - Written instructions requirement : This section requires that a consumer reporting agency, such as TRANSUNIONXXXX, can not provide information about my account without my explicit written instructions. This provision underscores the importance of obtaining my written consent before disclosing any account-related data. 

Despite the clear provisions of the FCRA, TRANSUNIONXXXX has failed to comply with these requirements, resulting in a violation of my rights. They have disclosed information related to my account ( XXXX Reference # XXXX company XXXX XXXX XXXX ( XXXX ) and the original creditor XXXX XXXX XXXX ) ; without obtaining my written consent, thereby violating my privacy and control over my credit information.
Consumer complaint received 2024-04-19
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. (NJ)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-19
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. (TX)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-19
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. (MI)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.
Consumer complaint received 2023-04-30
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

On Kohl 's credit card, I had setup automatic payments for the statement balance for every month. The credit card ( Kohl 's ) shut off the automatic payments and did not inform me. I pay ALL of my cards statement balances off every month. Since the automatic payments was turned off by them, the minimum payment was not made and the card became 30 days overdue and reported it to the credit agencies, this made my XXXX XXXX score drop to XXXX and move me from excellent credit to good. I spoke with Kohl 's but they said they will not do anything about it.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I respectfully seek your comprehension regarding the late remarks on my report, and I am fully dedicated to resolving them as per our agreement. My goal is to eliminate all the late remarks from my report, and I am enthusiastic about upholding a favorable record with your organization.
Consumer complaint received 2024-03-06
Product: Credit card — General-purpose credit card or charge 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: WELLS FARGO & COMPANY (WA)

XXXX - Contacted Wells Fargo to open dispute on charge dated XXXX. Was told if we could show that there was activity on my part showing that I was attempting to receive the information and/or going through other dispute processes within XXXX of me contacted them that they would process my dispute. 

XXXX - Sent documentation with dates ranging from XXXX to XXXX. Was told that I would receive an update on the process via mail Called multiple times in XXXX 2023 and told that the process was under review by XXXX XXXX. That they had reached out to the vendor and if a response wasn't received in 120 days the dispute would be found in my favor. This meant a resolution was to occur on XX/XX/XXXX based on their records. 

XXXX - Received email stating a 45 day waiting process had been triggered wtih the merchant and that we were waiting to hear back. 

XXXX - Called to confirm dispute was ended. Was told an internal error had occurred and the dispute was never processed by XXXX. 

Was informed on the phone in XXXX that my claim was denied. Never received anything in writing. 

Called to reopen requesting the reason for denial. Was told they only had documents dating to XXXX. Informed if I sent information showing my original contact was made within 120 days of the vendor or XXXX showing an update the case would be reopened. 

XXXX - Emailed information from XXXX involved in liquidation of merchant that showed the litigation wasn't going to be paid out effective XX/XX/2023. I had contacted WF in XX/XX/2023 which is within 120 days. 

XXXX - Called WF and was informed reopening the claim was denied and that the surpervisor I talked to on XXXX didn't know what they were talking about. 

I had provided the requested information immediately during this entire process and have received erroneous and incorrect information at every turn. Wells Fargo is liable for mishandling almost every communication since I contacted them originally. They need to take responsbility for the mishandling and refund the disputed charge.
Consumer complaint received 2023-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Capital one has made my credit card restricted without disclosing a reason. They have taken a payment to XXXX  the account and are still taking payments on a card that Im not using. They are reporting this activity and dropping my credit score.
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OK)

Equifax keeps updating and reporting accounts that are not mine and saying things like account is only XXXX days old etc. Equifax is reporting different amounts owed and different variations on the accounts, and my whole credit report. I have requested them to remove the fake information, I have sent police reports and FTC reports and reported the fraud on my credit report from them. I have sent certified mail to them about everything and I get the green slip back from the post office showing they got it but then they say that they have never received it at all. I have called them and they say since they are in a different country that the American Fair Credit Reporting Act does not apply in their country. They wait over the 30 days and never fix the problem. They report payments on accounts after they accounts were closed and paid in full. I am not sure how that is possible. I feel that Equifax has repeatedly and severely violated my rights on reporting, and continue to damage my good credit as a American consumer and person.
Consumer complaint received 2024-03-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (MD)

I tried to deposit money into my savings account with SoFi from my XXXX checking account. I have done multiple transfers from checking to checking without issue. I deposited {$1000.00} in a transfer from XXXX checking to SoFi savings and it showed available and then 2 days later showed reversed and I had no idea why. So I reinitiated the transfer and the same exact thing happened. SoFi is telling me I violated their agreement by having two reversals when there is no reason for the reversals that I have control over. XXXX has no record of having declined any ACH that I initiated through SoFi at all. Then today when I call SoFi they ask me why The reversals happened and if I am traveling to which I responded I have no idea other than SoFi reversing them on their own and no I am not traveling. That rep and then multiple afterwards have shown no empathy whatsoever about my situation not being able to access my own money and have told me theres nothing else they can provide an abruptly say they are ending the call. They said its been escalated already and that there is no timeframe provided and that I am to check in with my app in XXXX hours. This is unacceptable as I need answers now. I need access to my money and my account unfrozen and an explanation as to why they are doing this to me for no fault of my own or XXXX bank and then I will make a decision if I want to continue to work with them.
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

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

Account name : XXXX XXXXXXXX, Account name : XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX 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 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 2024-01-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CA)

I received notification on XX/XX/XXXX that my loans were forgiven effective XX/XX/XXXX. I had {$9100.00} of overpayment due back to me. 

That meant that I had only a couple of small loans left and after using the forgiveness amount due back to me, on XX/XX/XXXX it was calculated that I was owed {$3800.00}. 

Since then, I have been unable to get any money back from MOHELA and they can continued to automatically collect hundreds of dollars of payment from my account. In addition, they have mysteriously applied the payments so that the amount they claim is due back to me is getting smaller and smaller. 

I have called multiple times, sent multiple emails but have made no progress and no one has been able to provide any explanation or fix this issue. I still have received no refund. Please assist me.
Consumer complaint received 2023-02-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Paramount GR Holdings, LLC (CA)

We signed paperwork for this loan on XX/XX/22. This loan is to pay for solar installed by XXXX XXXX XXXX. Goodleap fully funded the loan XX/XX/22. Since then no work on our project has been done. We have solar panels installed but they are not working. I have tried for three weeks to work on resolution with Goodleap, but they rarely answer calls, have not been answering emails, and only called me to let me know that I need to be making payments. The goods and services for which I signed the loan paperwork HAVE NOT BEEN PROVIDED. The project was abandoned by XXXX XXXX XXXX. There is a lien on my house from XXXX XXXX because XXXX XXXX XXXX did not pay them for solar equipment received. Can provide all evidence of attempts to talk with and resolve the problem with both XXXX XXXX XXXX and Goodleap.
Consumer complaint received 2024-04-19
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. (NC)

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$150.00} XXXX  XXXX Balance : {$330.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2023-04-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivable Solutions LLC (MO)

this is 3 party collector, has no right to request collect, we dint have any contract with receivable solutions llc. 
on XX/XX/23 i send them second letter requesting verification of the right to claim the collection the Receivable solutions attempt to collect debit of XXXX for 3 bills from XXXX XXXX XXXX XXXX. 
they fail to respond and clear this problem, i hove no idea who they are and do they have right to this debit,
Consumer complaint received 2024-02-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (ID)

To whom it may concern, I am currently on Public Service Loan Forgiveness ( PSLF ) and my federal student loans are serviced by Mohela. In order to qualify for public service loan forgiveness, I need 120 payments while working full-time for a qualified employer. I currently have 119 payments confirmed and counted, both reflected on my account login through Federal Student Aid ( FSA ) and Mohela. I should have 120, however, Mohela has incorrectly miscounted a payment for XX/XX/XXXXXXXX 
In XXXX, I received a letter from FSA stating that, " your account has been placed into an administrative forbearance ( meaning no payment is required ) for payments due between XX/XX/XXXX, through XX/XX/XXXXXXXX. .the months of XXXX through XX/XX/XXXX will count toward income-driven repayment forgiveness and Public Service Loan Forgiveness , assuming all other requirements are met. '' Mohela currently shows that XX/XX/XXXX is ineligible because my account was in administrative forebearance? This is incorrect since, as stated above, I was placed in administrative forbearance ( not by my choice ) and the notification I received from FSA clearly stated that the months XXXX XXXX would count toward PSLF. I called in to Mohela three times to try and resolve this issue and spoke to three different representatives who confirmed I should have received credit for XX/XX/XXXX and that I've reached 120 payments and qualify for forgiveness. I was told this problem would be corrected by end oXXXX XXXX 
This is unacceptable. I have completed the 120 payments needed for PSLF, and my account should be processed in a timely manner and loans forgiveness as I have met the requirements of that federal program. Mohela has consistently exhibited poor customer support, 2+ hours phone wait times, and failed to correct a rather easy oversight on their part to correct my account. I've completed my obligation to qualify for Public Service Loan Forgiveness and waiting for another 10-12 months due to their error and mismanagement, is unacceptable. 
Please help resolve this situation. I'm happy to answer questions you may have. Thank you.
Consumer complaint received 2024-02-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MI)

Requested refund on XX/XX/2023 for {$40000.00}, which was in the 90 day timeframe and in the timeframe for the COVID refund. We were told it will take 3 months to receive our refund. We waited 4 months and did not receive a refunds, and did not have a change in our loan status. We called and they informed us it was canceled on their end by mistake and the resubmitted the claim since it was an issue on their end. We waited another month and a half and still did not receive anything. We called and we were told it was canceled on their end again and they put in an investigation request and was told to call in a week because their supervisor would look into it. We called XX/XX/XXXX a week later, after a XXXX hour wait we were sent to a prerecorded voice saying they " couldn't hear [ us ] '', and it kept repeating. I have recorded evidence of this. We then recalled and finally connected to someone and was told our inital request was refunded to us and then put directly back into my loans by MOHELA, so MOHELA refunded the loan back to themselves, not me. 
Overall its been 7 months of misinformation and being with-held from money that lawfully should have been refunded. In addition they supposedly took my refunded money and put it back into their loans without my consent. Hours of waiting on the phone only to be directed to an automated voice that says they can't hear me- which leans towards the side of scam like. Keep being told different information or misinformation.