davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit account under an open consumer credit plan as late for any purpose. 


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 BANK OF AMERICA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK OF AMERICA : ( XXXX XXXX XXXX ) BANK OF AMERICA : ( XXXX XXXX XXXX ) - 2 payments missed reported
Consumer complaint received 2023-11-02
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Colony Brands, Inc. (NY)

I am formally complaining against SEVENTH AVENUE I for a number of consumer laws that they are in violation of. 15USC1681 ( A ) ( 2 ) dealing with exclusions and how I never gave them the right to report any of my transactions to any 3rd party ( XXXX, XXXX and XXXX ) along with 15USC6801 and 15 USC6802 ( A ) ( B ) ( C ). 

I have contacted SEVENTH AVENUE who has been totally non compliant through this entire process and has been adamant about breaking consumer laws. I asked the CFPB to step in and make sure that SEVENTH AVENUE stand by and address the issues that I noted in consumer law and not to continue to disregard the rights of consumers.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX To whom it may concern, I was informed by your company ( XXXX XXXX that ( account # XXXX ) with ( XXXXXXXX XXXX XXXX XXXXXXXX XXXX ) was deleted from my crdit report. 

I have now realized that this same item was REINSETED onto my credit report! 

In accordance with the requirements of the FCRA SECTION 611 ( 15 U.S.C S 1681i ) ( 5 ) ( B ) ( ii ) ( B ) Requirements RELATING To Reinsertion Of Previously Deleted Material ( ii ) Notice to consumer, If any information that has been deleted from a consumer`s file pursuant to subparagraph ( A ) is Reinserted in the file, the consumer reporting agency shall notify the consumer of the Reinsertionin writing not later than 5 business days after the Reinsertion or if authorized by the consumer for that purpose, by any other means available to the agency I have received no such Notification, this is a serious violation of the FCRAAND I now reserve the right to pursue legal action for this clear violation of the FCRA! 

I demand that you immediately DELETE this account from my credit report in order to avoid legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-04-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

As a graduate student at XXXX  XXXX XXXX, I paid for my education up until my last semester and I was offered two federal student loans in XX/XX/XXXX. Upon graduation in XX/XX/XXXX, I established payments to my loans and paid quadruple the minimum amount. With additional payments to the loans monthly from XX/XX/XXXX through XX/XX/XXXX. None of these additional payments or the completed loan payment for the smaller low interest loan posted. My XXXX XXXX  account shows the payments were paid to the Department of Education, however, MOHELA the loan servicing company does not show or account accurately for these payments. As of XX/XX/XXXX, more than {$3000.00} has not been posted. After more than three emails, three lengthly hours long calls to customer service, being told I would be sent via mail to my home address which I have yet to receive. I am ready to pay off the entire loan amount but MOHELA isn't accounting for my payments in XXXX.
Consumer complaint received 2024-04-08
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (SD)

I explained to Mohela that I was XXXX from XXXX until XXXX and they told me that was too bad that I would have to pay the full amount including interest of a loan that started out at {$15000.00} now it is at the amount of {$56000.00} plus There was no way I couldve paid this loan while XXXX  for XXXX XXXX years plus I would be glad to pay the {$15000.00} owed without the interest incurred. Thank you. PS. I do take responsibility for my actions now its time they take responsibility for theirs.
Consumer complaint received 2023-11-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (OH)

On XXXX I was trying to purchase cryptocurrency on the venmo application. Well trying to purchase some cryptocurrency from Venmo through the Vemo, app I was denied my transaction twice. And after the second time they suspended my account. They said that it was due to suspicious activity initially. I contacted the customer service department and spoke to a representative and tried to figure out what activity was so suspicious that was happening on my account. They could not or would not tell me. I did what they asked me to do in the email which was to send a copy, front and back, of my driver 's license as verification. I have done this every day since then and still nobody has been in contact with me. I talked to a supervisor who couldn't tell me anything except for one of their account specialists had to handle the situation and unsuspend my account. This has caused me great grief because that is my money that I worked hard for. I've had to go hungry for 2 days. And I am highly distraught and upset at this situation. Furthermore, I feel that venmo 's license should be pulled and they should not be able to do any type of business in the state of Ohio let alone in the United States at all.
Consumer complaint received 2023-09-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Chime Financial Inc (TX)

I have transferred {$6000.00} from my XXXX account to my Chime account. Once the transfer was completed Chime sent an email stating that my account has been locked and they needed information submitted to unlock my account. Already knowing due to the amount they would need this information I was already prepared to send over appropriate documents. I got no response and reached out after the first few hours. Member service states they dont have access to view the issue at hand and that all correspondences for my issue needed to be done via email. This has been ongoing since XX/XX/XXXX in which Chime continued to send the SAME emails over requesting for a valid ID, some type of POR, and my bank statements from XXXX for the last 3 months and include to the statement showing the transfer of {$6000.00}. I complied with all request for these said documents, and still have no success in getting assistance with access to my account. The only other email I received was stating that my documents were not valid with no additional information as to why, and to contact member service over the phone. I went ahead and contacted member service again over the phone and they said once again that they do not have access and that I would need to continue corresponding with their back office team via email. I advised the agent then that I have been working on this since XX/XX/XXXX with no success corresponding with her back office team as they keep sending the same email over and over again. I went ahead and also advised the agent that they are requesting a statement for account ending in XXXX and MY account with XXXX ends with XXXX in which they can see on the documents I uploaded if they were reviewing properly. I had another agent that stated because I was sending a PDF form of my ID this was invalid and that I needed to send a picture of my ID. I advised that the email specifically states that all forms need to be in a certain form which PDF was included. All in all Ive been given the runaround with no resolution XXXX has also attempted to pull the transfer with no success. Ive also reached out to their fraud team and advised what was going on with Chime, and was pretty much advised to reach out to the FDIC in regards to this since no success on their end pulling back the transfer. Chime said they do not have any supervisors that they report to so they are unable to escalate my calls. When I do reach out Ive reached out on all social media platforms as well!!! Chimes XXXX team has been the only time Ive received an immediate response via email, but then they turn around and start sending the same email requesting for the same documents that I sent over and over again since XX/XX/XXXX.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report. I have enclosed the required documents as evidence supporting my claim.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

Why did you place this account back on my credit report knowing it is fraud and not mine? Capital one account number XXXX I am writing to you as a victim of identity theft regarding the recent reappearance of fraudulent accounts on my credit report. Despite the previous removal of these accounts due to fraud, they have been inexplicably reinstated without my consent or notification. Despite having provided evidence of fraud and securing the removal of these accounts previously, I recently discovered that they have been reinstated on my credit report without my authorization. This is not only a violation of my rights as a consumer but also a blatant disregard for the evidence of fraud that was previously acknowledged. I demand the immediate removal of these reinstated fraudulent accounts from my credit report. It is unacceptable that your company has replaced these accounts without my consent or even informing me of this action. This unauthorized reinstatement not only damages my financial reputation but also undermines the efforts made to rectify this situation. I urge you to take immediate action to rectify this matter and ensure that these fraudulent accounts are promptly removed from my credit report. Your cooperation in this matter is essential to restoring my financial integrity and protecting my rights as a consumer.
Consumer complaint received 2024-04-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (GA)

On XX/XX/2024, I notice that $ XXXX was trying to be transferred from my Navy Federal checking account. Within minutes I called Navy Federal to report the scam. The money at this time had not been posted, but the XXXX XXXX closed the account and created a new account. Meanwhile, provide me with a prevision $ XXXX until the investigation is done. 

On XX/XX/2024 I was informed that my claim was denied and Navy Federal took the $ XXXX back out of my account. 

I am a XXXX XXXX. with no other income, so I do need my money. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2023-01-31
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION (TX)

We got approved for our loan modification ( after trial payments made ) XXXX and paperwork was signed and turned in XX/XX/XXXX. The process is still not complete we can not get a straight answer not to mention we have not been able to get an accurate payoff since XXXX. No one can explain or answer questions not to mention they keep asking my husband if we want to foreclose even though our payments are being made on time. We are also getting XXXX on our taxes cause they have not applied any payments to our mortgage since XXXX so we can not claim mortgage interest and full escrow on our taxes. The mortgage company keeps saying they sent us a form to refill out but wont send another one saying it shows we received it. They will not provide us that tracking number either. I think they are hoping we cave and give the house back as it is not normal for a bank to ask if you want to foreclose as you are making the payment. We need help!!!!! The bank is Truist formerly Suntrust. I have also reached out on social media and they just lie to us.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: W&A Intermediate Co., LLC (GA)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX
Consumer complaint received 2017-03-29
Product: Consumer Loan — Title loan
Issue: Charged fees or interest I didn't expect — 
Company: TMX Finance LLC (MD)

Date of {$1700.00} Loan XX/XX/2017 Today, I called XXXX at the XXXX , Va. location to confirm my payoff amount of {$790.00}. However, XXXX stated a payoff amount of {$1100.00} ( as of today ) ... ..plus an additional $ XXXX in interest. These amounts I dispute. My payments are as follows : XXXX Money orders dated XX/XX/2017 XXXX for {$500.00} & XXXX for {$150.00} totaling {$650.00}. 
XXXX Money orders dated XX/XX/2017 XXXX for {$150.00} & XXXX for {$100.00}. 
XXXX Money order dated XX/XX/2017 for {$35.00}. 

Total payments as of today, {$940.00} on a {$1700.00} loan..but still owe over {$1100.00}. 

The agreement indicates ... .. " Prepayments. You may prepay in whole or part at any time the amount due under this loan agreement and will not incur any additional charges, fee or penalty. However, we will refund the finance charges we have earned if at any time prior to close of business on thr business day immediately following the date of this loan agreement, you prepay to us in cash the amount financed ( principal ) in full satisfaction of your obligations under this loan agreement. '' It is not my fault their payment machine was down so I had to mail payment in therefore processing was delayed resulting in additional charges, penalities and fees. 

So far, based on their calculations, I have paid {$330.00} in interest.
Consumer complaint received 2024-04-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Commencing on or about XXXX of XX/XX/2023, I fell victim to two multi-layered scam operations run by XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my BofA account to fraudulent investment firm.
Consumer complaint received 2024-04-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

I owner of XXXX XXXX deposited a personal check of XXXX from my client XXXX XXXX into my citizens business money market account. In the branch of XXXX XXXX I got a receipt and was told I would wait for six business days while the check was on hold. The XXXX was my availability date of when the funds will be released the XXXX came about and I went into the bank and I withdrew {$13000.00}. I put XXXX back into my account and wanted to do a wire transfer, had to leave from downtown branch to go XXXX XXXX branch to do this wire transfer the supervisor at XXXX XXXX said she had to get an approval from her supervisor later on that day. My account was under review and my check was put back on an extended hold. It is now XX/XX/year> and I still have no funds and have filed a FDIC and a OCC complaint. It has spoken to the chairman who says they couldnt verify my check with the bank but my client has already contacted their bank and XXXX has said they have already cleared the funds to Citizens XX/XX/XXXX. I have called and got the check verified from a chase verification number and my client has sent proof funds were already taken and I have called Citizens on and off since XX/XX/XXXX not having any resolution. I have also earned interest in this wait
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

This letter serves as a formal protest against the veracity of the data in my most recent credit report. Upon closer inspection, it appears that the report contains a number of errors that have had a negative impact on my credit history. 

The credit report has revealed a significant departure from what was anticipated, which is an extremely unsettling finding. 

Being aware that the Fair Credit Reporting Act requires credit reporting companies to provide the most accurate information possible is your responsibility as a consumer. Due to the potential harm they may cause, these errors may make it unjustifiably difficult to obtain credit on fair terms. 

Given these errors, I humbly ask that a new copy of my credit report be sent to me after the necessary corrections have been made. a truthful assessment of my creditworthiness. 

I'm sure you'll approach this situation with the utmost professionalism and diligence. I place the utmost importance on the accuracy of the data in my credit report because it is essential to my present and future financial security. 

I really appreciate you paying attention to this. We greatly appreciate your quick action in correcting these errors. At your earliest convenience, kindly provide any updates on the state of this disagreement.
Consumer complaint received 2023-09-26
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. (NJ)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

Ive sent in dispute letters to XXXX, Equifax, and XXXX XXXX for 8 months straight since XX/XX/2022 and have not been notified of a status of my disputes at all. No one has done any work on my credit report for almost a year. That is unacceptable and violating my consumer laws.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: W&A Intermediate Co., LLC (TX)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the reports relates. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made. Assuming no one cares either way, delete the noteworthy of any information in my credit record that came about due to an alleged fraud : XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AR XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX, AR XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX