davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (TX)

My auto-debit for my student loans is supposed to come out of my savings account every month starting XX/XX/2023. XX/XX/2023 my first auto debit is withdrawn in the amount of {$200.00} and is not drawn again for XXXX or XXXX. I find out the company has put my account on administrative forbearance without my permission. I contact the company several times via call and message and never hear back via message regarding putting my payments back to normal. I messaged them on XX/XX/XXXX, XXXX, XXXX, and XXXX. I also message them on XX/XX/XXXX again as well. The first time I call I wait on hold for XXXX hours and when it is time to speak to someone they tell me they have fixed my account and are going to check some info on why it happened. They then accidentally hang up on me and nobody contacts me even though they took my number to call me back incase I get disconnected. This was around the beginning of XXXX. I wait XXXX days because that's how long the girl said it would take to fix my account. It was still not fixed so I reached out again via phone in XXXX and am told I need to wait until XX/XX/XXXX and then my payments will process. I also asked why I was randomly charged {$11.00} and had another random charge scheduled for XX/XX/XXXX for {$22.00}. The customer service agent says those are mistakes and he will take them off my account and that by XX/XX/2023 all should be fine on my account and the random charges should be gone and my auto debit should work again. He lets me know everyone 's account is messed up and that the system is trying to fix itself. I inform him that I am still being charged interest while these payments are not processing and he pretty much just says to wait until XX/XX/XXXX and everything should be fixed. Of course comes XX/XX/XXXX and it is not fixed and I reach out via message and call. I explain my situation to the girl on the line and she says she will transfer me to a manager. It has now been an hour and a half and I am still waiting on the " manager '' I was transferred to to pick up the phone. All I want to do is pay what I owe on my student loans and it should not be this hard to make that happen. This company is canceling peoples payments without their permission and then not letting me take my account off forbearance and allowing me to make payments so I don't fall further behind on interest.
Consumer complaint received 2023-08-30
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. (TX)

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.

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 2023-07-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Today I opened my XXXX  checking account on the website and for my surprise I did see an unauthorized withdrawal {$350.00} from Bank of America even though they have not contacted me in any way. This is ridiculous and abusive proceeding. I paid the minimum amount ( {$70.00} ) because my credit card account with that bank is on dispute mode and they still havent answered me at all.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (NC)

I recently received a copy of my XXXX, XXXX, or XXXX credit report, and I noticed a negative account reporting on my consumer report. I have been contacting XXXX, XXXX, or XXXX to remove this account ( see attached ) I have not given any company, credit agency permission to report this account onto my consumer report. THIS IS ILLEGAL! I did not authorize anyone to report this account on my credit report. This is Aggravated identity theft per 18 U.S. Code 1028A! I am asking this closed account to be removed from my consumer report and credit report! This is going against the law per 18 U.S. Code 1028A - Aggravated identity theft.
Consumer complaint received 2023-12-05
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (MO)

My credit card application was denied by Chase because I was an existing Southwest Chase credit card holder. However, I had cancelled my existing Southwest Chase credit card prior to the application. I was told by multiple Chase representatives that their internal policy requires that a card be closed at least 30 days prior to reapplying. This is not disclosed in their application terms. Their application terms only say that an applicant can not apply if they are an existing card holder. 

I was applying for the new card as part of a point promotion being offered by Southwest Airlines, which would allow me to get XXXX points and a Companion Pass for up to two years. These items together are valued at over {$10000.00}. Had Chase disclosed that a card needed to be cancelled for 30 days prior to reapplying, I would have cancelled my card earlier. Their lack of disclosure resulted in a financial loss for me. 

Since this was not disclosed in the application terms, Chase is providing false reasons for credit denial to consumers. My denial reason was that I was an existing card holder ; however, Chase 's representatives also acknowledge that I cancelled my card prior to my application. Therefore, their denial reason is false and Chase is denying credit to Consumers ( I am sure there are many others like me ) based on false pretenses. They are not properly disclosing eligibility requirements within their application terms. 

Because of their inadequate application disclosures and false denial reasons, I am significantly financially impacted. I would ask that Chase be required to reimburse me and others that have been impacted by their negligence.
Consumer complaint received 2023-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am reaching out to Equifax to initiate an investigation into identity theft. Under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), I request a comprehensive validation of the disputed accounts following the prescribed procedures. This specific section governs credit reporting agencies ' obligations during inquiries concerning contested data. 

Furthermore, I want to emphasize that the Fair Credit Reporting Act ( 15 U.S. Code 1681e ( b ) places a responsibility on data furnishers to furnish accurate and complete information. Due to the evident inconsistencies in my credit report, I demand prompt corrective measures as stipulated by this provision.
Consumer complaint received 2023-12-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Synovus Bank (FL)

I pay my balance off well before the due date every month via phone because it is the fastest and I save {$10.00} processing fee they charge. 
On XX/XX/XXXX  at XXXX I paid full balance {$190.00} via my checking account. Confirmation # XXXX it was taken out of my XXXX XXXX XXXX account at XXXX on XX/XX/, transaction # XXXX. 
As of today XX/XX/23 XXXX First Progress has not updated my account or made those funds available. Why do they need to hold these funds. They have cleared, in their possession and have no previous incidents of non payment etc to be punitive. I was those funds available asap and to be reported as a positive full balance payoff to the 3 credit report agencies immediately
Consumer complaint received 2023-12-06
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. (GA)

In accordance with the Fair Credit Reporting and 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 has violated my rights XXXX 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 ; It also states a consumer reporting agency Can not furnish a account without my written instructions.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-03-29
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. (NC)

RE : Violations of United States Code Laws and Consumer Laws 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy : Your company is reporting fraudulent accounts which is an infringement of my privacy. Congress said I have the right decide what I deem private. I deem this account information to be private and I DO NOT WANT THE BELOW ACCOUNT INFORMATION SHARED ON MY CREDIT REPORT. 

- 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  15 U.S. Code 6802 ( b ) 1 ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information : Your company DID NOT disclose to me that I had the right to OPT OUT of this information being shared. This was very deceptive and Your company never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of. I never gave you any written consent to report anything on my consumer report no consent is identity theft FDCPA 8012 Furnishing Deceptive Forms : Your company has furnished inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so Your company doesnt even know if these accounts are accurate, but yet Your company reported this inaccurate information. Also, Your company reported that I owe a debt, of any numbers, only positive ). By you telling me I owe a " debt, but reporting positive balances to my credit report is very deceptive. 
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 instructions of the consumer to whom it relates I never gave Your company any written consent to report anything on my consumer report no consent is identity theft if the laws I quoted from Congress are incorrect, please correct me by providing the LAWS that support Your company reporting the above mentioned accounts and inquiries. If Your company is unable to provide proof, PLEASE DELETE above accounts and attached inquiries. 

XXXX XXXX XXXX
Consumer complaint received 2023-10-30
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Bridgecrest Acceptance Corporation (NC)

XX/XX/XXXX Registered Mail ( RE XXXX XXXX XXXX XXXX ) was sent out to XXXX XXXX Senior Chief Securitizer/Treasuer for Bridgecrest Acceptance Corporation ( XXXX XXXX XXXX XXXX XXXX, Arizona XXXX ) the registered mail was valued at {$100.00}, XXXX. It contained my securties, IRS tax forms, and a letter of instructions. The instructions was not followed by XXXX and he forwarded my securties, IRS tax forms, and letter of instruction to the customer service department. Customer service sent my securities, IRS tax forms, letter of instruction back Certified mail ( XXXX XXXX XXXX XXXX XXXX ). XX/XX/XXXX, I sent a second registered mail ( RE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX ). It contained my securities, IRS tax forms, and another more detailed letter of instruction. XXXX knowing and willingly forwarded my securities, IRS tax forms, and letter of instruction to the customer service department. I have attempted to contact XXXX via phone on several occassions ( XX/XX/XXXX XXXX and XXXX XXXX, to no avail. My securities, IRS tax forms, and letter of instruction was mail back to me first class mail, folded up in a small envelope. Stating Bridgecrest Acceptance Corporation couldn't fulfill my request, because I sent the second registred mail from my business address and not the address on my contract.
Consumer complaint received 2023-11-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION (OK)

My wife and I live permanently in XXXX XXXX- where we have a bank account with Regions Bank. We are currently living for a year in XXXX, where we have already filed a police report ( XXXX ). The XXXX police recommended that we also file a report with you. On XXXX XX/XX/2023, someone -- not us -- cut two new debit cards on our account at Regions bank. On XXXX XXXX, at XXXX, a criminal used the illegal replica of XXXX XXXX 's card at ATM number XXXX at the XXXX XXXX at XXXX XXXX XXXX XXXX  XXXX, FL XXXX illegally to withdraw {$800.00}. Also on XXXX XXXX at XXXX, at the same ATM, a criminal used the card of XXXX XXXX to withdraw an additional {$800.00}. On XXXX XX/XX/2023, at XXXX, a criminal used ATM number XXXX, also a XXXX XXXX XXXX, located tat XXXX XXXX XXXX XXXX in XXXX, FL XXXX, to withdraw an additional {$800.00}. This crime was committed using the illegal replica of XXXX 's card. At XXXX of the same day, a criminal used the illegal replica of XXXX 's card -- at the same terminal -- to withdraw a final {$800.00}. As a result of these unauthorized and illegal activities, {$3200.00} was stolen from our Regions checking account. XXXX reported these illegal transactions on XXXX XX/XX/2023 to Regions, as soon as we discovered them through our on-line banking application. Our bank -- after a very cursory investigation ( my wife had to discover the above information on our own ) -- insists that we carried out these transactions in Florida ; at a time when we were in XXXX Oklahoma, and our legitimate cards were in our possession. The complexities of this operation indicate that this fraud might very well be an " inside job, '' although our bank has no interest in pursuing this matter further. We, however, are hoping that authorities will be able to recover the security footage from the ATMs where the crimes occurred. We hope, as a result, that the perpetrator ( XXXX ) will be identified and brought to justice. We are eager to press charges against the perpetrators. Indeed, we are sure that we have not been the only victims. We are willing to press charges. All that Regions Bank said was that, since these transactions were chip-on-chip they must have been authorized by either my wife or me. My wife was able to find out the information above concerning the times and places of the transaction with remarkably little effort. As the XXXX police told us, it sounds like you have been doing your banks work for them.
Consumer complaint received 2023-11-30
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: Experian Information Solutions Inc. (TX)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX Account Number : XXXX
Consumer complaint received 2023-11-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (MI)

I believe my Checking Account was hacked and someone changed my payment on my credit card and made a payment that was sent to an account at XXXX XXXX of {$2800.00} which was not mine. My XXXX XXXX card has a XXXX balance, so I know I didn`t do it! XXXX XXXX will not give me any information on the account it was sent to because it wasn`t mine. So PNC didn`t find it necessary to reimburse me so I`m out {$2800.00}
Consumer complaint received 2024-03-29
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: Experian Information Solutions Inc. (GA)

I Looked at my credit report on XX/XX/XXXX. I was informed that my credit report has unauthorized hard inquiries also some inquiries are over their removal date. I also have the evidence. ACCORDING TO 15 USC 1681B FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES OR KNOWNINGLY WITHOUT A PERMISSIBLE PURPOSE. 


XXXX. ( XXXX XXXX XXXX OPENED XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B XXXX. ( XXXX XXXX XXXX OPENED XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B XXXX. ( XXXX XXXX OPENED XXXX/XXXX/XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B XXXX. ( XXXX XXXX XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B XXXX. ( XXXX  XXXX XXXX OPENED XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B XXXX. ( XXXX XXXX OPENED XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B
Consumer complaint received 2023-11-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC. (MD)

ATTN : CFO NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT Collection agency Midland Credit Management violated 15 USC 1692 ( d ) ( 2 ), 15 USC 1692 ( e ) ( 2 ) and also 15 USC 1692 ( k ) violated my privacy and federal law which has caused me to be denied extensions of my credit for personal and family, or household purposes. It is also causing mental anguish and severe stress. I did not have a contract with Midland Credit Management! I did look up Midland Credit Management and many lawsuits were filed against them
Consumer complaint received 2023-11-30
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. (IL)

I am writing to complain to EXPERIAN about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and my name is XXXX XXXX. My birthdate is XXXX. The FTC report numbers related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.