davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-27
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: EQUIFAX, INC. (CA)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, remove, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$780.00} XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX  XXXX XXXX Balance XXXX {$2300.00} XXXXXXXX XXXX XXXX XXXX Balance : {$800.00}
Consumer complaint received 2023-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Well I requested Experian remove my child support off my credit report because it is not a loan or a revoling line of credit and XXXX has already removed it but Experian will not and the info is incorrect also my data was breached from XXXX and all the hard inquiries are not authorized and with my data being stolen I ask for Experian to delete the incorrect information immediately off my report
Consumer complaint received 2024-01-03
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (PA)

I sent in my Employment Verification as XXXX XXXX XXXX XXXXXXXX XXXX to Mohela as I am eligible for the Public Service Forgiveness due to the new guidelines. Per the paperwork I had to be in an IDR  which I did and my payment was more than my previous payment while not in the IDR. It also stated on the paperwork my loan would be placed on Deferment/Forbearance until the PSFL was reviewed and it was not. When I requested, they place it in deferment/forbearance, I never recevied a response.
Consumer complaint received 2023-07-18
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

In accordance with the Fair Credit Reporting act XXXX Account #, 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 2023-04-28
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: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act. The list of account ( s ) below has violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dept of ed/XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX US dept of educatio XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 states a consumer reporting agency can not furnish an 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 consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. The consumer reporting agency also violated my federal rights by running a credit check on me multiple times from each of the consumers listed
Consumer complaint received 2023-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I am writing to bring to your attention a persistent issue I have encountered with the credit reporting Agency 's XXXX, XXXX, and Experian. 

Despite my efforts, a numerous amount of incorrect address continues to be listed on my credit report, negatively impacting my financial standing. I have contacted the credit bureau multiple times to address this matter, but unfortunately, the incorrect addresses remain unchanged. 

I have attached documentation supporting my attempts to rectify this issue, including correspondence with the credit bureau and proof of my correct address. I understand the importance of accurate credit reporting and the impact it has on one 's financial profile. I kindly request the Consumer Financial Protection Bureau 's intervention to facilitate the removal of the inaccurate address from my credit report. I appreciate your attention to this matter and thank you in advance for your assistance in resolving this issue promptly. If you require any additional information, please do not hesitate to contact me.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

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

These companies have refused to do work on disputes even though they're required by the law to do so. 


Account Name : XXXX Date of inquiry : XX/XX/XXXX Account Name : XXXX  Date of inquiry : XX/XX/XXXX Account Name : XXXX Date of inquiry : XX/XX/XXXX Account Name : XXXX XXXX Date of inquiry : XX/XX/XXXX Account Name : XXXX XXXX Date of inquiry : XX/XX/XXXX Account Name : XXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2024-05-03
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. (TX)

Have requested multiple times for this Account to be removed from my report. 
XXXX XXXX. Multiple letters sent, multiple disputes from me and XXXX to remove account. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-16
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

A fraudulent credit card may have been opened on my account and Bank of America refuses to take action or even investigate. 

On XX/XX/23, I attempted to log into my online account but could not because of a technical error with Bank of America where they can not send an SMS to my phone. They tell me to go to a financial service center with two forms of ID and then lock my account. But I am about to travel to XXXX for a month over the holidays. They refuse to help me and hang up on me. 

On XX/XX/23, I try again to log in online, and it asks me to verify the XXXX and expiration for a credit card that I do NOT own. I only own XXXX account with Bank of America, which does not end in those numbers. I call them again because this seems to be fraud. They refuse to investigate and tell me to go to a Financial Services center, which I can not do because I am out of the country. They hang up on me again. I now seem to have a fraudulent trade line on my account, activated and in use, and there is nothing I can do about it until I come home next month and visit a branch in person.
Consumer complaint received 2023-07-22
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX  XXXX  XXXX Balance : {$4000.00} XXXX XXXX  XXXX Balance : {$16000.00} XXXX  XXXX Balance : {$9100.00} XXXX XXXX  XXXX Balance : {$4000.00}
Consumer complaint received 2023-12-29
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: VW Credit, Inc (IN)

In XXXX, I moved to XXXX. I went to the XXXX promptly to get a license and register my car. In XXXX, they need to hold the title for financed vehicles before they will register your car, and they submitted a request for the duplicate title to Audi Financial Services at that time. When I returned to the XXXX in XXXX, Audi Financial Services had not sent this title, so I contacted them directly to prompt them to do so. They told me they would do that. I have been to the XXXX four times so far since XX/XX/, and Audi Financial Services still has not honored this request. I have contacted them at least two more times, being given different excuses each time. XXXX has submitted another request for title on my behalf and I sent a copy of that same request via XXXX to Audi Financial Services in early XXXX ; I have received no notification from Audi or the state of XXXX that the title has been received by the state of XXXX. At one point, Audi Financial told me that the state of XXXX- the state I moved to XXXX from - was in possession of the duplicate title ; I called the state of XXXX DMV promptly following this call and was told that they had returned it to Audi Financial Services. Another time that I called, Audi told me that their title services were " down indefinitely ''. I can not refinance my car, register my car, or get new car insurance because of Audi 's delays. I also have to return to the XXXXXXXX XXXX regularly to get temporary 30-day registrations. This is absurb and I am tired of being lied to. I faithfully make my payments on time and have since I purchased this car ; and this is a service that Audi Financial should promptly provide. I won't ever buy another VW or Audi again after this experience.
Consumer complaint received 2023-08-05
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 writing to file a complaint regarding inaccurate items on my credit report that are still reported in despite of my previous request and kindly request your assistance in getting them to delete. The inaccurate items are negatively affecting my creditworthiness and financial well-being, and I have been unsuccessful in resolving the matter with the credit reporting agency directly. I have attached my supporting documents for your reference, including correspondence with the credit reporting agency. I would highly appreciate if you assist me to removed these fraudulent items : XXXX XXXX ; XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; CXXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$770.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Balance : {$260.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$730.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$27000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3500.00} ; XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, AR XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX XXXX XXXX {$770.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$260.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$27000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3500.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX, XXXX ; XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$770.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$730.00} ; XXXX XXXXXXXX Balance : {$27000.00} ; XXXX XXXXXXXX XXXX Balance : {$5700.00} ; XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2023-12-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION (NC)

On XX/XX/2023, I, the consumer, sent to Navy Federal a billing error notice under 12 CFR 1026.13 disputing the entire amount of alleged credit card debt and to request all documentary evidence related to my account. They responded on XX/XX/2023 stating that they can assure that the debt is valid without conducting any reasonable investigation nor producing any documents they are required to provide following a billing error dispute along with three of my most recent statements, credit card agreement, and my initial billing notice error attached via USPS mail. I responded on XX/XX/2023 stating that I further dispute any alleged debt that has been deemed valid without any proper investigations done. They then responded on XX/XX/2023 stating that there are unable to identify an open Credit Card Dispute. It has not been 90 days since notice has been sent and by Navy Federal completely disregarding the consumer 's wishes and concerns is in direct violation of TILA and Regulation Z by failing to comply with requirements for creditors during billing error resolutions. Navy Federal also continues to collect on at least the minimum payment due even though the entire amount is in dispute, which means they are prohibited from collection.
Consumer complaint received 2024-04-27
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: EQUIFAX, INC. (MD)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2023-08-07
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. (IA)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX  XX/XX/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 XXXXXXXX
Consumer complaint received 2023-12-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FISERV INC. (PA)

I hope this letter finds you well. I am writing to express my dissatisfaction and concern regarding unauthorized charges made to my account by XXXX. My name is [ Your Name ], and my account is associated with the following details : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I recently discovered that a total of {$760.00} has been deducted from my account without my authorization. I have never used Clover 's services, and I explicitly agreed to an arrangement that stated no charges would be incurred if I did not utilize the service. Despite this agreement, I was charged {$22.00} monthly for a period of 18 months, along with an additional unauthorized annual fee of {$99.00}, totaling {$760.00}. 
I am extremely disappointed and frustrated with this situation, as I had trusted Clover to honor our agreement. To make matters worse, my attempts to contact customer service were in vain. I spent nearly an hour waiting on hold, but no one answered my call. Frustrated and left with no other option, I had to take the drastic step of blocking my account to prevent further unauthorized charges.
Consumer complaint received 2015-10-28
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE (IL)

I was wired money by my sister across the country. I went to the nearest western union licensed against. There were probably XXXX or XXXX other customers in the store. I go to grab a slip that I 'm supposed to write my private information on including : my password, phone number, address, and that same information about my sister the sender of money. When I ask for a form to fill out he says do n't worry about just tell me the information. So I provide him with the information but because it is not written down I believe he put the password in wrong. He says " The passwords wrong I can help you '' and go 's to another person. As I 'm on the phone with customer service I hear him making derogatory and discriminating remarks about XXXX and refusing to answer customer clients. He seemed to have XXXX friends hanging out with him and was only interested in getting the rest of us out. When I reached customer service via phone I explained to the guy on the phone that I am attempting to receive money but the agent claims he 's locked out of the system, so the phone guy told me to tell the agent to call a certain number. The Agent say " No, I do n't feel like it right now, maybe if you come tomorrow. '' I relay this to the guy on the phone who I then attempt to get the agent to talk to. the againt says " No, You should go. '' So then I tell the guy on the phone I 'd like to file a complaint about this again. The guy on the phone says he needs his name and agent license number. I have neither so I ask the agent and his reply is Get out. Ultimately I never got his name or license number, but I did get the store address and name, and he is the only guy behind the counter during the day time. He also Never gave me the money I came in for although now he and all of his friends in the store had the private information for withdrawing the transfer.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WI)

I was told to send a dispute request XXXX by a XXXX rep. BELOW IS A COPY HI, my former account is XXXX. 
I request an expedited dispute against the XXXX past XXXX loan accounts that were transferred XXXX to XXXX XXXX . These accounts are still showing up open on my XXXX credit report & XXXX account for ( XXXX XXXX ) is still reporting open on Equifax . The other XXXX accounts have been removed on Equifax & all XXXX Accounts have been removed completely from the XXXX report. 
I have been disputing these error for XXXX  months & the bureaus are making it very difficult because when they send a dispute to XXXX to verify if these accounts are accurate, at the time of XX/XX/XXXX, XXXX credit department keeps saying YES they were accurate at that time, though they are not opened & I have a XXXX balance with XXXX & this allows the account to stay on my reports. I have requested several times to XXXX XXXX Equifax to please ask XXXX if the loans were transferred to XXXX XXXX & are no longer opened & they seem to refuse to dispute correctly & investigate. I have submitted to XXXX XXXX Equifax the transfer letter & the recent letter I received from XXXX XXXX & they still won't remove the old loans. Both XXXX & Equifax are violating my rights & it's against the law to report inaccurate information on your credit reports. XXXX stated they need a letter directly from XXXX stating the loans were transferred & no longer opened & I no longer have a balance with XXXX. The last rep. I Spoke with XXXX ( XXXX ) informed me that they reported the loans transferred to XXXX XXXX XXXX XXXX XXXX & no longer opened. 
XXXX & Equifax act like they never received that info. I'm requesting XXXX to report to XXXX & Equifax these accounts were transferred & are NOT opened & for XXXX  to include a letter of transfer stating the loans are with XXXX XXXX now & not opened & I have no balance with XXXX any more & please remove these accounts. 
I have included a copy of my credit reports from XXXX XXXX Equifax, showing the XXXX accounts are currently still reporting open to these credit Bureaus. I also included the letters XXXX provided me about the transfer etc. 
I appreciate your help tremendously, in getting this matter finally resolved quickly, it is slowing me down from getting the best deal on buying my 1st home & other future endeavors of using my credit.
Consumer complaint received 2024-04-09
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (WA)

My account was close on XX/XX/2024. The reason given was they said I am involved in the sale or distribution of XXXX. That is not me I am XXXX XXXX XXXX XXXX Not Sr. I explained to Citibank over a few emails that it is not me and I have nothing to do with the sale or distribution of any controlled substances. I was told they can close my account for any reason and they are standing by their decision. 

Rewards vouchers were issued in XXXX, a month before they closed my account. Now that they are paperless I did not receive XXXX in the mail so I asked Citi for access to my voucher which is owed. I was told no and it is forfeit because they closed my account. This voucher is for roughly {$680.00} and I am denied it because of negligence on their part by not verifying they had the right person. My credit score also dropped XXXX points because of this.