davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-28
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. (TN)

. I submitted dispute letters to Equifax, XXXX, and XXXX  notifying them of the accounts that did not belong to me on XXXX I have yet to receive a response or credit report. The bureaus are in violation of my consumer rights. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). The disputed items are entirely inaccurate and represents a very serious error in reporting.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRUIST FINANCIAL CORPORATION (NV)

I am a victim of XXXX XXXX computerized fraud which is the art of faking the identity of the signers electronic signature to carry out unauthorized transactions. 
I am also the victim of fraud which in legal terms fraud is an intentional deception to secure unfair or unlawful gain or to deprive a victim of a legal right. The purpose of fraud may be monetary gain or other benefits. 
XXXX. XXXX XXXX does not have a contract with the Service Provider who is listed on the promissory Note, however, the XXXX XXXX released funding to Service provider in breach of the contract with the XXXX XXXX XXXX. The XXXX XXXX paid the XXXX provider funding in breach of the Home Improvement agreement. 
XXXX. The Home improvement corporation agreement # XXXX on page XXXX states NO FUNDS SHOULD BE MADE PAYABLE TO Service Provider however, Service Provider XXXX collect Customers payment made payable to Home improvement corporation. The XXXX XXXX released {$16000.00} to XXXX XXXX which is in conflict to the terms outlined in this section of the XXXX improvement corporation agreement. 
XXXX. The XXXX company application for financing was completed by the XXXX provider. Their sales XXXX took the application over the phone. The name and business address for the seller on the finance application was the XXXX XXXX on page XXXX of the Promissory Note which is a breach of the XXXX XXXX XXXX agreement dated XX/XX/year> term # XXXX page XXXX. 
a. A breach of contract is a violation of any of the agreed-upon terms and conditions of a binding contract.. 
XXXX. The computerized signatures that appear on the financing application was used to legitimize and also used by the XXXX XXXX to release funding to the XXXX provider. This was executed without XXXX XXXX knowledge. The finance company did not contact XXXX XXXX via email or phone call to verify that this computerized signature was of her knowledge. 
XXXX. The XXXX company application was completed by XXXX XXXX sales XXXX over the phone and is falsified with an income that is inflated without my knowledge this amount was entered on the application. XXXX XXXX did not disclose the income of the amount entered on the finance application. 
XXXX. The finance XXXX is being deceptive to use the Home Improvement agreement as the contract they used to release funding to the XXXX XXXX. The home improvement name or pertinent information was not listed in the finance application or promissory note. 
XXXX. The XXXX company has failed to provide a contract to support this transaction with the XXXX provider. Every request has been ignored.
Consumer complaint received 2023-12-29
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. (CA)

Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed during this time in pandemic. This is not only effecting myself, but my children and family as well.
Consumer complaint received 2023-12-29
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. (FL)

I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2024-04-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (KY)

On Monday, XX/XX/XXXX, I called MOHELA regarding a letter and a bill I received. I did not take out a student loan, especially not through MOHELA. The representative did not give a clear answer to my question. My schooling was paid off completely in XXXX. I called my college the first time I received a letter, and my balance was {$0.00}, and completely paid off. I tried to ask a simple question, and the representative didnt give me a clear answer. MOHELA has been asking me for XXXX XXXX  for weeks, all of a sudden.
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

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 2023-12-29
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. (OH)

Hello. I've sent in request to have old address and names taken off my report profile with TransUnion, XXXXXXXX XXXX XXXXXXXX. They have failed to do so and I'm requesting to be paid for each penalty on each report at a rate not to exceed {$1000.00} each. Each incorrect name and address. I've sent in my photo id to avoid any complications and my request has still not been met. 
I am also including hard inquiries on my TransUnion report that are legally not connected to me with any open accounts. XXXX XXXX ENQUIRYS ARE ACCURATE. All other inquiries need to be removed as soon as possible.file attached.
Consumer complaint received 2024-04-14
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA (FL)

Recently updated my income and requested a plan that was supposed to be $ XXXX ( XXXX ) through student aid.gov and just got a letter from MOHELA saying Im on a different plan ( XXXX ) for $ XXXX. Now Ill need to get on the phone and be on hold for XXXX hours during my work hours to get it fixed.
Consumer complaint received 2023-12-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Examine the attached documents. I insist that the bureau begin an investigation into these accounts, as I am never late, but they are inaccurately reporting me as such.
Consumer complaint received 2023-04-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

accordance with the Fair Credit Reporting act XXXX Account # 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.
Consumer complaint received 2024-04-14
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (NC)

Mohela has wrongfully been charging me a bill AFTER I am still in school which as done in the past should have automatically put me in still in school deferment- NOT harass me with a {$1700.00} bill which I currently can not pay right now due to the fact that I am going to be enrolled in an academic program this year XX/XX/XXXX. I strongly believe that this is a form of harassment and oppression done by current servicer Mohela. Back in the months of XXXX through XX/XX/XXXX I kept being denied an unemployment deferment despite the fact that they had legitimate proof of why I applied for unemployment deferment. 

Moving forward, my bankruptcy lawyer roughly back in XXXX while my bankruptcy case was still open which Mohela approved. I strongly suggest that you take a really close look at the supporting documentation that I uploaded carefully. 

I thank you for taking the time to read my complaint against Mohela. 


Thank you, XXXX XXXX
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is not a regular dispute. My credit report is being affected by items that are not both 100 % accurate fully verifiable. I have been living with a friend because my score is affected by these inaccurate items and am not able to get my own apartment.
Consumer complaint received 2023-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: World Acceptance Corporation (MO)

i have no knowledge of this account, i started receiving calls and at first i thought it was a scam, ,until i continue to receive these calls and now its on my credit report. it says XXXX XXXX XXXX,, open on XXXX XXXX got fraud protection on my accounts well at least i thought i did..Amount {$640.00} i also have inquiries on account that wasnt acknowledge XXXX XX/XX/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 ..World Finance is also on my credit i have tried and tried to dispute this account, but no luck XXXX
Consumer complaint received 2023-04-13
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I have submitted several disputes with the following credit reporting agencies Experian, XXXX and XXXX about the fraud I have found on my credit report. These following accounts are unauthorized and I would like them removed from my credit report. XXXX XXXX date opened-XX/XX/XXXX, balance- XXXX XXXXXXXX XXXX XXXX date opened-XX/XX/XXXX, balance- {$1100.00}. XXXX XXXX XXXX XXXX, date opened-XX/XX/XXXX, balance- {$0.00}. XXXX XXXX, date opened-XX/XX/XXXX, balance- {$970.00}.
Consumer complaint received 2024-04-04
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

XXXX the the first letter was send to the CFO. I am writing to file a formal complaint regarding to violation of my rights under Federal Reserve Regulations 16 and 29 by Bank of America. Upon reviewing my recent banking statements and transactions, l have identified discrepancies that I believe warrant investigation and resolution. 
Specifically, I have observed irregularities in the manner in which my account has been handled, including unauthorized charges, discrepancies in interest calculations, and unclear communication regarding fees and penalties. I have reach out to CFO XXXX XXXX mutilple times and havent received a response yet. These actions not only contravene the protections outlined in Federal Reserve Regulation 16, which governs consumer accounts, but also appear to violate Regulation 29, which mandates clear and transparent disclosure of account terms and conditions. 
As a customer of Bank of America, l expect my rights as outlined by federal regulations to be upheld and respected. 
However, the aforementioned issues indicate a failure on the part of Bank of America to adhere to these standards, resulting in financial inconvenience and undue stress on my part.
Consumer complaint received 2023-12-29
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. (LA)

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, Account name : # XXXX, Account name : # XXXX, Account name : # 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 2024-04-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (OH)

XXXX. I applied for the SAVE application back in XXXX of XXXX. 
XXXX. I received confirmation that my application had been submitted. 
XXXX. I received my first bill for XXXX. 
XXXX. I logged onto Aidvantage, to check my bill allocation. I noticed capitalized interest. So I tried to find in my account my plan terms. No where on any statement or loan information did it tell me my repayment terms IDR OR SAVE etc. 
XXXX. I tried calling and the wait time was several hours. 
XXXX. I emailed the servicer about my SAVE plan being processed. No response. 
XXXX. I refilled for the save plan in XXXX of XXXX. 
XXXX. I continued to receive bills that werent showing that interest was being accrued, so I thought I had finally been approved for SAVE. 
XXXX. I checked my Aidvantage account today to make sure, because I knew recertification was coming up, and saw that my principle loan amount has increased by almost XXXX since XXXX due to capitalization. 
XXXX. I once again called Aidvantage and spoke to a representative who said she didnt know why my SAVE plan hadnt processed and can see that I have multiple completed attempts and that I was on the IDR plan. I was on hold for most of the call which lasted XXXX. 
XXXX. The representative said she would send a ticket and the ticket could take until XX/XX/XXXX for someone to look into why my save plan hasnt been processed. 
XXXX. My loan is currently in forbearance, and I dont know why. 


Aidvantage has improperly gained interest from my principle amount of XXXX for months now. 

Aidvantage makes it impossible to even see what plan you are currently enrolled in on any statement or at any place in your profile. 


Aidvantages billing statement is extremely misleading. 


How is this legal?
Consumer complaint received 2023-12-29
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

I am a victim of identity theft. I submitted paperwork according to the FCRA and submitted it to the credit agencies. I have also asked for copies of the verification process and not gotten them. 

These are the accounts : XXXX XXXX XXXX XXXX by XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-29
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. (TN)

I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Consumer complaint received 2024-04-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (FL)

Good afternoon, I have been a victim of Identity Theft and have tried pleading with Navy Federal to please open an investigation on my claims. 

I have submitted necessary paperwork that outlines my identity theft and I have even shown them the eviction I am facing due to the identity theft. 

Please have them return my mom or I'm going to be homeless. 

Please help me, what they're doing is illegal and shouldn't be taken lightly.
Consumer complaint received 2023-12-29
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. (NJ)

The following accounts and inquiries have been opened fraudulently and without my knowledge or consent : 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. These accounts and inquires are direct result of my info being compromised and used for fraud. My credit as a result is in ruins and I can not secure anything in my name with these items on my report. Could you please more in depth at these accounts and inquires and get them removed immediately.
Consumer complaint received 2023-12-29
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)

I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Consumer complaint received 2023-06-15
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: EQUIFAX, INC. (MD)

This is my 3rd complaints that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 
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 2024-04-22
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)

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

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-09-30
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: SYNCHRONY FINANCIAL (FL)

On XX/XX/11 someone used my information to try and obtain a credit card from Sams club. I reached out to Sams and the only information that they provided was someone try to get the card but couldnt verify the information matching my credit report so they were unable to open the account. However, the hard inquiry is still on my report affecting my credit score.
Consumer complaint received 2024-07-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (TX)

I was charged XXXX for a week that my son did not receive services, she stated she would be refunding me and never did. He was no longer enrolled in that school. The owner also stated she would be refunding me XXXX for the registration fee and supply fee and it is something she never did. 
She also stated that because I had opened a dispute with my bank after the fact that she didnt refund me ) she would not be able to give me back my money. My bank stated they couldnt do anything and that I needed to contact the merchant, which I did and she does not want to resolve this issue.
Consumer complaint received 2023-12-29
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. (VA)

About a year ago, I found out about some accounts on my report. I tried in several occasions to get it removed but I was denied. XXXX XXXX, I discovered some information on my credit report that did not seemed correct. it occurred to me someone has been probably gotten my identity information to use. Applying for job I didn't apply, trying to open credit card account etc. 

Also some of the accounts that were on collection. I paid off and yet they've refused to removed it from my report. 

Account numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard Inquiries Name XXXX XXXX via XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX