davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-04-17
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. (IN)

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. 
XXXX XXXX XXXX XXXX credit card : Acct # : XXXX, has violated my rights. 


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 2023-12-02
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: CAPITAL ONE FINANCIAL CORPORATION (CO)

I have tried to resolve this for months. I spend hours on the phone, mostly on hold to get to someone. I always have to ask for a supervisor to even get someone to understand what I am needing help with and that takes a very long time. I have uploaded many files that I will upload today in regards to this claim. This company is blowing me off and I think its because they closed my accounts and now no longer care about me since I am not a client. That isn't ethical. 
In XXXX of XXXX  I purchased something with emerson ecologics for {$130.00}. Those items never arrived. I disputed the charge multiple times and each time, Capital one closes the account and now are asking for payment on this account. I have texted and talked to XXXX XXXX on the phone multiple times, and each time they tell me they credited me back in XXXX in two amounts, that do not show up on the account and Capital one has confirmed they never received credit. This should be a cut and dry case. The emails from XXXX  show that I am due a refund but for some reason, their credits don't come through. I am beyond frustrated with this process and the lack of support by Capital one. I wait on hold hours and then they tell me, oh, just upload the supporting documents and all will be fine. NOTHING changes. its so impersonal and I don't have the time or patience to wait online as a XXXX person who struggles with day to day health issues. The original charge is on XX/XX/2023. The charge has been credited then recharged, four times during this dispute process. I am due a full refund! This is my XXXX  XXXX account. 


The second issue is that after this XXXX XXXX charge is credited, my balance should be at zero but for some odd reason, there is an outstanding 30 some dollars remaining. i have asked capital one to tell me where this charge/ balance originates as all charges should be credited but they never answer. this should not be a question that can't be anwered. It would take too long to send you screen shots of my entire account of charges and credits but capital one should be able to go through that and tell me where the outstanding charges occur that make up this balance they say I owe ( minus the XXXX XXXX ). I have been asking this for months and months!!
Consumer complaint received 2023-12-02
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I am an XXXX XXXX service member in Louisiana. 

The federal SCRA laws limits interest rates to 6 % all accounts opened before entering XXXX XXXX ( EAD ).

Louisiana law extends those benefits to all accounts, even account opened after EAD date. According to Louisiana law, Title 29 section 312 linked below, I should not be charged interest rates exceeding 6 % on any accounts. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (AR)

My Mohela student loan accounts were placed on administrative forbearance in late XXXX. I was not informed why. I looked it up and found this website https : XXXXXXXX which explains why I was placed on administrative forbearance but also states that interest accrued during this forbearance should be zeroed. I then received a letter from Mohela about a week later stated that I was placed on administrative forbearance, but it still didn't explain why. The letter specifically states that " daily interest continues to accrue '' during the forbearance. 

In addition to this, because I was placed on forbearance, my auto payments were cancelled which caused my interest rates to increase by 0.25 % on all of my loans. I emailed Mohela through the secure messaging platform on their website in XXXX XXXX XXXX XXXX XXXX. I have yet to hear back from them at all. I tried to call at some point too but the wait time was over 2 hours. I have significant student loans through Mohela so the interest accrued during this time is at least {$1700.00}.
Consumer complaint received 2023-12-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: AMERICA FIRST FEDERAL CREDIT UNION (AZ)

We are getting charged on the daily like a credit card, but this is on motorhome which is currently our primary living space. And it's being charged daily we feel like this will never get paid off. 
After purchasing the motorhome we have a lot of problems with it. 
The day we signed papers at XXXX XXXX, they kept saying you have to sign these papers otherwise we will sell it to someone else and you will lose your Deposit. She said that America First Credit Union was the one that financed us and they are a great credit union. 
It was close to the end of the day so the lady told us what papers say and you can trust us. 
We never got papers that day to read over it. We never got to test drive motorhome. Because motorhome wouldnt start they said someone left lights on. So they would give papers when we come back. 
Came back they had motorhome running. I decided to shut it off and turn it back on it did not start. So their mechanic looked at and said the alternator wasnt working and he would fix it. 
So we had to wait another week. 
Came back again and again it was running. So shut off but this time it ran. We told them we never got to test drive it. They took us on our test drive, and went into a parking lot. Then I got to drive it.

Seemed fine.

So we took it home. Papers were in glove box of motorhome. We figured they were so accommodating fixing we didnt even think of reading papers, plus was so excited to have the motorhome. Two days later motorhome would not start called them they said come pick up a new battery. Picked up new battery noticed it only has a one year warranty. They said thats all they could do. 
Since then things on motorhome keep breaking.
Consumer complaint received 2023-12-01
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc. (TX)

On two different months i did exactly what the company Avant advised and they still did not allow that second payment to be for the next month and continue to charge outrageous late fees every month and I have told them i only get one check a month and it is on the third buth they continue to not do what they advised to help remedy the problem according to them. Im tired of their lies and their deceit.
Consumer complaint received 2023-09-20
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: Experian Information Solutions Inc. (TX)

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 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 2023-11-28
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (GA)

I am writing to resolve the violation of my consumer rights under the Fair Credit Reporting Act, specifically 15 U.S. Code 2068 ( a ) ( 3 ) : ( a ) Designation It shall be unlawful for any person to ( 3 ) fail or refuse to permit access to or copying of records, or fail or refuse to establish or maintain records, or fail or refuse to make reports or provide information, or fail or refuse to permit entry or inspection, as required under this chapter or rule thereunder ; -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Violation # 1 Chexsystems has failed to maintain record of my date of birth and social security issuance date, which they have falsely furnished as 1980 in the consumer report I have attached to this letter.

Violation # 2 - ( XXXX XXXX XXXX XXXX XXXX Uknown ) - Alleged transactions or experiences with XXXX XXXX XXXX were included in my consumer report - a clear violation of 15 U.S. Code 1681a - Definitions ; rules of construction : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- The consequences for such violations are explained in 15 U.S. Code 2069 ( 1 ) - Civil penalties : Any person who knowingly violates section 2068 of this title shall be subject to a civil penalty not to exceed {$100000.00} for each such violation. Subject to paragraph ( 2 ), a violation of section 2068 ( a ) ( 1 ), ( 2 ), ( 4 ), ( 5 ), ( 6 ), ( 7 ), ( 8 ), ( 9 ), ( 10 ), or ( 11 ) of this title shall constitute a separate offense with respect to each consumer product involved, except that the maximum civil penalty shall not exceed {>= $1,000,000} for any related series of violations.
Consumer complaint received 2024-04-17
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 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 2024-04-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA XXXX. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-04-17
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)

Encountering an error suggesting a late payment on my account is unsettling, particularly because I have consistently adhered to payment deadlines. This inconsistency is generating unnecessary stress, and I implore you to swiftly rectify the situation by updating my records accordingly.
Consumer complaint received 2022-12-03
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. (FL)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States i have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-11-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NV)

I am under XXXX, but on XX/XX/XXXX, I also applied for XXXX XXXX XXXX forgiveness. On this application, I specifically checked the box to not put my loans into forbearance while the application is being processed. However, in XX/XX/XXXX, my loans were placed into a forbearance until XXXX/XXXX/XXXX. I called XX/XX/XXXX, twice in XXXX, and once in XXXX to have the forbearance taken off, but it is still on. Also, my payments made while on this forbearance are not counting towards XXXX. The XXXX XXXX  pause month did not count towards XXXX ( when all prior months for the 3 years of that pause did count ) and my actual payments made in XXXX and XXXX are also not counting. I only have XXXX XXXX payments left, including these three, so I'm planning on applying for forgiveness after my XX/XX/XXXX payment. However, I can't until Mohela takes off the forbearance I specifically did not want or request and goes back to count the XXXX pause and XXXX and XXXX payments. Everytime I call, I have to wait 2 to 3 hours only to be told that they'll put in the request and it'll take a few weeks.
Consumer complaint received 2023-11-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NY)

I believe Mohela has mishandled my student loans and my eligibility for the XXXX XXXX XXXX XXXX XXXX. They have erroneously denied and/or processed my XXXX application incorrectly. I have attempted on several occasions to complete the required employment certification for XXXX. I worked at XXXX University from XXXX of XXXX through XXXX of XXXX, and currently work for XXXX XXXX XXXX XXXX, which I began in XXXX of XXXX and last certified on a XXXX form in XX/XX/XXXX. All of this employment was submitted in XX/XX/XXXX, at which point only my current employment was approved. I resubmitted my employment with XXXX in XXXX. I recently received a notice that my XXXX employment was approved, however when they approved my XXXX it appears they removed my employment at the XXXX XXXX XXXX XXXX. Previously, I had XXXX qualifying payments, XXXX through XX/XX/XXXX, however now it lists none, and states the reason is no employment was certified. The letter approving XXXX only has XXXX listed and not the XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-11-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (TX)

My account has been placed into administrative forbearance because they havent processed any requests for IDR on my account and MOHELA continued to charge interest. I also submitted employment certifications for PSLF during the special waiver period and was within a few years of forgiveness. I consolidated my loans and my eligible payment counts have disappeared and have not been corrected. It appears on my account that they have been reset to XXXX. It was my understanding that with the special rules, after consolidating that my payment counts would not revert to XXXX  for PSLF.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (KS)

After sending a lot of Dispute Letters regarding the BANKRUPTCY on my account, it still reporting on my credit report. It is hurting my credit score so much. This BANKRUPTCY is NOT mine. Please REMOVE it from my credit report IMMEDIATELY! 

Don't close this complaint with a reason that I need to prove my identity because all necessary documents are all attached on the letters!
Consumer complaint received 2023-11-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NY)

I consolidated my federal student loans and applied for SAVE ( previously on REPAYE ) back on XX/XX/2023. The consolidation was processed in XXXX but the SAVE application was listed as processing on Mohela. I checked my account on XX/XX/XXXX and noticed that my SAVE application was still listed as processing but my repayment was on the LEVEL ( standard plan ) and due in XXXX. I called on XX/XX/XXXX to get an update on my SAVE application. The rep on XX/XX/XXXX told me my SAVE application must have gotten lost and to resubmit the application verbally. I did that and was placed on administrative forbearance until XXXX. 

On XX/XX/2023 a bill was generated for my account and still was listed for the LEVEL payment. I called on XX/XX/XXXX to see what was going on since I now have a payment due for the LEVEL ( standard ) repayment due on XXXX. I was told by three different reps that once again my SAVE application from XXXX has been lost or is not finished processing. I was once again told to resubmit my SAVE application and it would take 10 business days to process. Seeing as I can't afford the standard repayment, I asked if the administrative forbearance be extended through XXXX to give the application time to be processed. The rep told me they could only put me on a " processing forbearance '' through XXXX and it would NOT count towards PSLF. 

Attached is the screenshot depicting the now XXXX IDR applications I have submitted for SAVE. 

At this point it is taking almost 5 months to try to get on the income driven repayment plan that I have been told to be put on. Now my forbearance will not count towards my PSLF thanks to the incompetence of Mohela. It is unacceptable to still be dealing with this and Mohela needs to be held accountable by the Department of Education and the federal government for misleading loan borrowers and losing their applications.
Consumer complaint received 2023-11-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (PA)

I requested an In-school deferment waiver. Mohela sent me the form. I signed the form and uploaded to Mohela 's online portal on XX/XX/23. I was told by customer service that it would take 30-45 days to process. It is past 45 days and it still has not been processed. I do NOT want to be in deferment. I never requested to be in deferment. When they automatically put me in deferment, they back-dated it to XX/XX/23.
Consumer complaint received 2024-03-10
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (TX)

On XX/XX/2023 there were 3 separate transaction totatling to approximately {$1.00} that were fraudulent. I had never received my Best Buy card and yet someone was making transactions without my authorization. I promptly reported this to Citibank yet my claim was denied. i asked for additional documentation and a way to appeal it yet I was not given that option.
Consumer complaint received 2024-04-17
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. (GA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or a list of inquiries : 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 2023-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

To Whom It May Concern : My personal information was leaked from my company. Thus, I have identity theft on my credit which is affecting my XXXX score. Bank of America and XXXX credit cards are not mine nor have I ever done business with these merchants. My XXXX score has always been over XXXX and because of identity theft this is negatively impacting me. My credit file needs to be updated accordingly. Thank you in advance. 

XXXX XXXX XXXX E-mail : XXXX XXXX