davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-02
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: Early Warning Services, LLC (AZ)

These companies are reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to, they have have not provided any records.
Consumer complaint received 2023-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I request that you eliminate the erroneous late payment from my account. Given my track record of timely payments, it is unjust for me to be penalized for an error that is beyond my control.
Consumer complaint received 2023-10-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION (UT)

My wife and I run a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and have a checking account at Mountain America Credit Union ( MACU ). A check for {$250.00} that was mailed at the post office on XX/XX/2023 to our accountant was intercepted in the mail and " washed '' and deposited into a fraudsters account for {$16000.00} on XX/XX/2023. I noticed the bad check the next time I was logged in to manage the account which was 13 days after it was posted to the account. I immediately notified the police and the credit union. MACU has taken the position that unless I report a bad check within one day of it posting to the account, they take no responsibility for paying my money to a fraudster. This is absurd. I have a business to run and don't log in to check my account every single day. I have spoken with other banks and credit unions in my area and have been told that they do not have this policy so it appears that MACU is out of line with the industry here and throwing their members who are victims of fraud under the bus. As of XX/XX/2023 I have been trying to get an update on the case from MACU. I have left 4 voice mails and an email over the last couple of weeks for the person in the fraud department handling the case and have received no response. This very frustrating and unprofessional.
Consumer complaint received 2024-03-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MD)

I recertified my IDR in XX/XX/XXXX as Mohela directed so that I wouldnt be removed from my IDR as threatened. A few days ago, I was told that my IDR recert application was processed and approved for $ XXXX ( increase from {$160.00} ) and would be effective in XX/XX/XXXX, and that my account was placed on a processing forbearance for the month of XX/XX/XXXX ( which they didnt inform me of until multiple days into XX/XX/XXXX ). Also, prior to them approving my IDR recert app, my new payment start date as shown on my account was XX/XX/XXXX, which means that the new {$310.00} payment shouldn't even start until then, even though Mohela is trying to force me to begin paying the new amount next months. I contacted Mohela multiple times via the messaging portal and also via phone to tell them the following : 1. The Department of Education has extended the IDR cert deadline ( https : //studentaid.govXXXX ). Per the website, If you recertified before XXXX, they've promised to undo that and restore your old payment. and If your recertification date is after XXXX but before XX/XX/XXXX, you won't have to recertify anymore, possibly until mid XXXX. Because of this, and because the new payment start date on my account was XX/XX/XXXX, please return me to my original {$160.00} payment immediately. 

2. Take me off of processing forbearance.
Consumer complaint received 2023-12-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I was making a deposit and the teller only credited me with {$500.00} less that I gave them and therefore I have requested them to explain to me where the other {$500.00} went and they have not responded back to me. It has been over a month since I have made this transaction without resolution.
Consumer complaint received 2023-10-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (GA)

I had a Auto Loan with US Auto, which was supposely transfer/bought out by Westlake Portfolio Management . I called Westlake Portfolio Mangement and ask for a copy of my contract because the lenght of the terms they have is not matching my orginal contract that I signed with US Auto- I was told that they can not locate my signed contract. I asked may I hold any payment until they send me a signed copy of my contract. They advised me that I can but my car will be put on the repossession list if I do not make a payment today. Other representative just put me on hold for hours until they send me back unto an pre-recorded message.
Consumer complaint received 2018-05-12
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. (MI)

Submitted a complaint with Equifax using their online tool. Received an email from Equifax saying that the complaint was investigated and I need to log into their system to view. They asked for some personal information to confirm who I was. I provided it all accurately and received a message saying " The information you have provided does not match our records ; therefore we are unable to process your request online. '' There is no phone number to call them to discuss it so I can't resolve it directly with them.
Consumer complaint received 2017-05-03
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Account Discovery Systems, LLC (MO)

This company, Accoun t Discovery Systems i n New York ;  XXXX , called my place of employment and ask to speak with myself,  XXXX   XXXX , and also my employer, over the   XXXX   XXXX   He,  XXXX   XXXX , asked for the name of the   XXXX   person, and was advised by my co-worker that it was  XXXX , and  XXXX   XXXX  was then put on hold by  XXXX , as to send him to voicemail when he then hung up.  XXXX   XXXX  called right back and spoke to another employee,  XXXX , whom he told that he was calling for  XXXX   XXXX , and that he - XXXX   - nee ded to " make sure she calls me back. '' I have been receiving numerous calls at work and as I understand it under the Fair Debt Collection Practices Act that is a violation, I reported the agency for this violation, and advised them do not call me at work again, nor my employer. They must contact me after work hours and not to disrupt my work day unless they wish to pay my salary.   Thank you,  XXXX   XXXX   XXXX  XXXX  XXXX
Consumer complaint received 2023-10-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY (CA)

In XXXX of XXXX my social security an overall identity was taken. I made police reports also filed all necessary documents as I found out who took all my accounts an information. I then called all my credit card companies to make them aware after i claimed the identity theft all credit accounts good an bad were closed from companies. During this time my credit was ran 26 times In a few days. XXXX this account was originally opened. Now the American express account is charged off/closed status. As of XX/XX/XXXX my account became past due for amount XXXX. 

3 of 7 of my accounts were breeched. One account was put in my name from XXXX in amount of {$1700.00}. 

1. American Express amount of {$1700.00} was the final charges in total. I made them aware months before as I was unaware why my balance kept going up 2 months prior to my knowing. An 2 others. One account was opened in my name as well. 
2. XXXX XXXX XXXX. XXXX XXXX This account was opened in XX/XX/XXXX. Originally I had a balance in result of identity theft in amount of {$1300.00}. 
As the account was reopened for 3rd time w a different account number w same balance as original. After communicating with the company they removed this account 6 or more times. This account keeps adding back to my credit profile as well as the last time it was reported opened under a new account number an at one point had a limit increase according to XXXX. All documents an prooof needed an police report an new filed police report have been given as well to company was also past due as of same time frame originally prior to being resolved the first time around. Currently in XX/XX/XXXX the account is past due. 

3. XX/XX/XXXX my XXXX credit card for XXXX was opened as my account reflected perfect payment history until XX/XX/XXXX. This month my account went past due w charges showing past due of XXXX as of XXXX of XXXX. I contacted the necessary party, gave all my reports an explained my identity theft. I have this account removed more than 3 times off my credit in this amount of years. For some reason it keeps popping back on my credit. Right now XXXX  is the bearu the accounts keep coming back on. 

XXXX account in amount {$1700.00} showing its new open date was XX/XX/XXXX. This account was not opened by me an was added to my credit an opened without my knowing due to identity theft. XXXX XXXX XXXXXXXX Original creditor XXXX XXXX XXXX XXXX Balance {$1700.00} Balance updated XX/XX/XXXX This account was removed 5 to 6 times as well. 

As a result I had to remove myself from certain business accounts as my credit declined from identity theft. Also as a result of these account being added an removed multiple times has completely ruined my credit to the point it has been impossible to reestablish credit due to the constant changes. I lost points everytime they re- added accounts.
Consumer complaint received 2018-05-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Bank of America has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Consumer complaint received 2024-03-14
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: Experian Information Solutions Inc. (TX)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-03-14
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. (NY)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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

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

Someone needs to hold them accountable for this
Consumer complaint received 2023-10-20
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. (FL)

On XX/XX/XXXX I signed a contract for Solar Panels on my XXXX XXXX  home through XXXX  XXXX. Part of the contract was a performance guarantee, which stated that the solar panels were guaranteed to produce a specific amount of energy, which could be monitored via a mobile application. 

Within days after the install, I noticed that the solar panels did not produce nearly the amount promised by the company. I contacted the company, who sent a technician out to check the panels. 

I have hundreds of emails saved documenting all of the hours I invested attempting to get this issue resolved. 

I have the original signed contract, which states " If, for any continuous twenty-four ( XXXX ) month period during the Guaranty Period, the Actual System Output is more than XXXX percent ( 15 % ) below the projected total in kWh of the Estimated System Output for the same twenty-four ( XXXX ) month period, as set forth in the Work Order related to the PV System, XXXX shall be obligated to cure any shortfall such that Actual System Output is within XXXX percent ( 10 % ) of Estimated System Output going forward. '' In XX/XX/XXXX, XXXX  finally sent out XXXX XXXX, an independent third party to assess the situation. The findings of the third party were that the solar system that was installed was inadequate, and would never produce the amount of electricity guarantied in the contract. 

I discussed the findings with XXXX, and they indicated that they had no intention of replacing the solar panels with the correct ones. At this point XXXX  charged off my loan and it destroyed my credit. 

I have contacted TransUnion, and filed a dispute, since this was clearly a breach of contract case. TransUnion closed the dispute, and the negative entry still remains on my credit report.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

EXPERIAN is breaking the law. Ive sent EXPERIAN letters and complaints in great detail explaining this. At this point you, at EXPERIAN, are willingly and knowingly violating my consumer rights. The information you continue to report is a discriminatory misrepresentation of my identity. You at EXPERIAN DO NOT have my permission to make reports containing any information from XXXX at XXXX XXXX and XXXX XXXX by XXXX XXXX and you must completely remove those two accounts upon immediate receipt of this. This is not a dispute notice for you to send to XXXX at XXXX XXXX and or XXXXXXXX XXXX by XXXX XXXX in an attempt to pass the blame and avoid your repercussions for breaking the law. THIS IS A NOTICE FOR YOU AT EXPERIAN.
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (IL)

I recently noticed an error on my credit report regarding my student loans. The report inaccurately states that a payment was late, despite my records indicating otherwise. I have the necessary documentation to support my timely payments and plan to dispute this discrepancy with the credit reporting agency to rectify the mistake promptly.
Consumer complaint received 2023-11-06
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. (GA)

To whom it may concern, It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the XXXX data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

Accounts 1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Consumer complaint received 2023-04-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: KEYCORP (NY)

Yesterday XX/XX/2023 I registered a checking account from the keybank website and did a required opening deposit of {$10.00}. Then this morning when I got home from work and tried to log in to my account, I received " Your Online Banking account is restricted. To verify your identity and gain access, please call us at XXXX. '' Then I tried to call the customer service number and they said either I go to the branch email to submit the required verification documents. I said that it is inconvenient for me to go to your branch because there is only one key bank in the whole New York and it is extremally far away from me. In addition, I XXXX XXXX XXXX XXXX XXXX XXXX so I have no time or chance to go there. So I chose to submit the documents they needed in the form of Email, and then the customer service told me to hold for a while, after she came back and said no, I had to go to their branch. I said that I will close my account directly, I dont want it anymore, and I dont want to go so far, they said that whether you want to close or unlock the account, I have to go to their branch. I XXXX it and found that many people like me opened their account on the first day and were locked on the second day and asked to go to a branch far away.
Consumer complaint received 2024-04-08
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. (NJ)

My credit score with Equifax dropped by XXXX points on XX/XX/year>, from XXXX to XXXX. This is the same day my bankruptcy came off of my record, after ten years. My credit score with XXXX and XXXX XXXX by XXXX points. 
I can not get anyone at Equifax to provide an explanation. I am trying hard to build my credit back up, and Equifax 's improper reporting is negatively affecting me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX
Consumer complaint received 2023-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

NAME XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSEN to report anything on my consumer report which violates my rights as a federal prot consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the de accounts listed IMMEDIATELY!