davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-31
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. (NY)

As of XX/XX/XXXX  Ive notice this fraudulent account XXXX Amount owed XXXX $ this is a list below of fraudulent inquiries below 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (IN)

Recently Mohela changed systems. This was a disservice to everyone for many reasons. First, they got rid of the app, which was the best and easiest thing about the service. Second, when I had to recreate my account ( today ), I can't access anything and they don't seem to be able to help me. Third, I no longer have access to my payment history. It is not in the new system ( that I can't access ) per the servicer. Fourth, they have yet to credit my account with my last payment. Fifth, they changed my payment terms, which I don't disagree with. They said it was because of the forbearance and COVID and the terms need to be reassessed. Fine. But they couldn't tell me how often this would occur to ensure my loans are paid within the term even though it is a " system routine check '' and a " periodic check '' which implies some sort of regular process. They refused to give me an answer. This lack of transparency is wrong.
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LJ Ross Associates (WI)

On XX/XX/2023 I had a collection put on my account for XXXX dollars I didn't have a single doctor bill of that amount. In XXXX what they did was combine a bunch of small bills and made it XXXX bill so they can report it on my account. This is an unfair practice and i want it removed. Thanks
Consumer complaint received 2024-03-24
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. (MD)

By the Fair Credit Reporting Act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told Experian, XXXX, and XXXX to reinvestigate the account XXXX XXXX XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, and much more is incorrect.

According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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 2024-01-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

Ive contact the law enforcement agency and filed a report and affidavit. They claim the identity theft report is valid. And lastly, I contacted the credit reporting agencies. XXXX have removed the accounts per legal requirement. But for some weird reason Equifax feels Im not following all the steps. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX PLEASE DELETE!!! XXXX have already removed this account from their records. 
I know the consumer laws and the courts are very lenient with the banks and credit reporting agencies so filing a lawsuit is a waste of energy. Seeing Ive submitted my claim with XXXX for over 6 months, Im at wits end. This is the 6th complaint Ive filed against them and every time I get the same ridiculous response. They make some absurd claim that the documents Ive submitted are not valid.
Consumer complaint received 2024-03-24
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. (OH)

My information is being sold on the dark web so I have to lock/freeze all my credit reports and pay more money and continuously monitor fraudulent alerts while trying to maintain a household and take care of my family! Please remove these accounts!

Upon further review these hard inquiries are once again illegal. Its the same reason why I've been disputing these ( XXXX ) accounts within the last XXXX days which I have no reason why they still have not been removed off ( XXXX, XXXX, experian ) So now I have no choice but to keep all credit bureaus locked as will be attached in screenshot. 

XXXX XXXX Balance {$150.00} Acct Number -- - Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX Balance {$57.00} Acct Number XXXX Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX Balance {$13.00} Acct Number XXXX Date opened XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ***Experian Inquiries**** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-24
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. (OH)

My information is being sold on the dark web so I have to lock/freeze all my credit reports and pay more money and continuously monitor fraudulent alerts while trying to maintain a household and take care of my family! Please remove these accounts!

Upon further review these hard inquiries are once again illegal. Its the same reason why I've been disputing these ( XXXX ) accounts within the last XXXX days which I have no reason why they still have not been removed off ( XXXX, XXXX, experian ) So now I have no choice but to keep all credit bureaus locked as will be attached in screenshot. 

XXXX XXXX Balance {$150.00} Acct Number -- - Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX Balance {$57.00} Acct Number XXXX Date opened XXXX XXXX XXXX XXXX XXXX XXXX Balance {$13.00} Acct Number XXXX Date opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXExperian InquiriesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (GA)

I submitted my IDR application XX/XX/, according to studentaid.gov, EdFinancial received my paperwork on XX/XX/. On XXXX, I submitted a form through the contact us section of their website asking for a follow up. This was after I was on hold for 2 hours and the line was disconnected before I could speak to a representative. On XX/XX/ I was able to get connected to a representative that stated I needed to wait 20 business days but that they had everything they needed from me. On XX/XX/ I received an email response to my contact us submission advising to wait 22 business days. On XX/XX/ I followed up, as that had been 35 business days from XX/XX/. They never replied to this follow up. I called again spoke to XXXX on XX/XX/, who advised that my application was incomplete. He completed it with me over the phone and advised me to make {$10.00} payments, ignoring what the EdFinancial website stated was due. Today is XXXX  and EdFinancials website is still reflecting my payment amount as incorrect and I am past due. I am hoping that I will be able to get this resolved for find a solution through the CFPB. There were more phone calls, longer wait times, and no call backs but I didnt record the dates for those.
Consumer complaint received 2024-03-24
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. (NY)

I looked at my credit report and noticed I have XXXX inquiries : These items are not factual and need to be removed from my report! I am a victim of identity theft and these do not belong to me. 

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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (SC)

I am writing to file a complaint against XXXX XXXX regarding their handling of XXXX credit accounts listed on my credit reportone from XXXX and the other from XXXX. Despite multiple requests for proof of these accounts, XXXX XXXX has failed to provide satisfactory documentation. 

On XX/XX/2024, I contacted XXXX XXXX to request proof of the XXXX and XXXX credit accounts listed on my credit report. Initially, a representative informed me that I needed to make a payment before they could provide me with the requested information. However, upon further inquiry, the same representative stated that they did not have the documentation available. 

This failure to provide proof of the accounts is concerning and raises questions about the accuracy and validity of the information being reported on my credit report. As a consumer, I have the right to verify the accuracy of the information being reported and to request proof of any accounts listed. 

I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against XXXX XXXX for their failure to comply with federal laws governing credit reporting and consumer rights. Specifically, I ask that XXXX XXXX be required to provide the requested documentation for the XXXX and XXXX credit accounts or, alternatively, remove the accounts from my credit report. 

I have attached copies of my credit report showing the disputed accounts. 

Thank you for your attention to this matter. I look forward to your prompt investigation and resolution.
Consumer complaint received 2024-03-26
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: PNC Bank N.A. ()

In XXXX, 2023, my client XXXX XXXX XXXX XXXX, a company that resells motorcycle spare parts and such, remitted the amount of {$340000.00} to XXXX XXXX XXXX, to XXXX XXXX XXXX. We found out something was wrong with this account number, so the supplier ( XXXX ), gave us another one, from PNC bank. The information given about this account was : Account number XXXX / Domestic routing number XXXX / International swift code XXXX, bank address XXXX XXXX XXXX, XXXX, Kentucky, XXXX, XXXX. 
The supplier, XXXX XXXX XXXX, owner of this account, never received the funds, in spite of all documents from the XXXX side mentioning that the operation had been completed. XXXX XXXX XXXX, the person in charge of customer service in XXXX contacted the bank, but did not have any replies whatsoever. I tried contacting them, but as I am not related to the account, as expected, they could not give me any information. 
I hope I can have a refund to my client ( my company renders XXXX XXXX XXXX XXXX ) , as he is not interested in havin the funds sent to the supplier anymore. We just would like to know where the funds are and hopefully, be refunded.
Consumer complaint received 2024-03-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

[ Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Date ] Bank of America Customer Service Department XXXX XXXX XXXX XXXX, FL XXXX Subject : Dispute of Unauthorized Charges on Account Dear Sir/Madam, I am writing to dispute several unauthorized charges on my Bank of America account . The transactions in question are fraudulent and were not made by me. I request an immediate investigation and reversal of these charges. But Bank of America did not comply stating my card chip, signature, or pin was used, which was a lie. I talked to a agent of the bank and they said a card number was used and not my card Please investigate these charges and provide a resolution
Consumer complaint received 2024-03-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

in XX/XX/2022 i upon reviewing my bank statement online i seen alot of transactions that were made unauthorized transactions i reported this to bank of america over XXXX times and tried to get this resolved but no luck all they did was close my checking account and and they opened up a credit card without my consent and never gave me back my money for all the fraudulent transactions made on my checking account I've tried to solve this by contacting them and they gave me a XXXX number that said they can help but all they said was they have referred my matter to the fraud department and will contact me as soon as they resolve this its beem so long now that ive given up i dont know what to do but all together im my checking account they stolen almost XXXX that ive seen on what bank statements i have they refuse to semd me all my statements as well this is a nightmare can you help me please
Consumer complaint received 2024-03-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/XXXX Bank of America closed my account. As usual, they said that the decision was irrevocable. 

More than 2 months have passed and the bank has not yet released my funds. This is what they said on a letter back in XXXX : " The balance in the account was $ XXXX at the time of account closure. A cashiers check for the total amount was sent to our Hold Harmless unit If you would like to inquire about any recovery of the remaining funds the Hold Harmless Department can be reached at XXXX, Monday through Friday, XXXX XXXX XXXX XXXX XXXX  Eastern '' When I called to that number to inquire about the recovery of my money, as they suggest on the letter, the bank representatives do not provide any information about how to recover the funds or when would they send me a check. 

Is this legal for the bank just to hold my money for an unlimited time without explanations?
Consumer complaint received 2024-01-18
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Central Portfolio Control Inc. (NJ)

Car insurance XXXX. Asked collection agency to take off the negative remarks from my credit report. I told them of how much I can afford to pay but told me I had to pay more. If I could not they would report to the credit bureaus which they have. I am on a fixed income and the insurance became too much to pay. I intent to pay the debt off but can only do so much.
Consumer complaint received 2023-08-09
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: Experian Information Solutions Inc. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-06-02
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. (FL)

The following companies have committed fraud and have opened charged debts for lines of credit that do not belong to me. All these accounts are reported charged off but also reflect a balance which is also fraud and incorrectly being reported. 15 U.S. Code 1681s2- States furnishers have a duty to report information accurately which has already not been done on my credit profile. These debts negatively impact my credit score. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-11-14
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: Experian Information Solutions Inc. (VA)

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account doesn't belong to me..I asked for evidence to prove the account is mine but Experian did not provide..This error has greatly lowered my credit score..CFPB amp up and delete the accounts XXXX XXXX   XXXX, XXXX XXXX, and XXXX XXXX XXXX
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I have an account with XXXX. Several of my credit cards were fraudulently used to book various hotels in XXXX. As I became aware of these charges and actions, I immediately contact XXXX customer service and the hotel itself. I recorded the conversation as evidence. I further disputed the charges with my bank, Bank of America, who resolved the issue in favor of XXXX. At this point, I am so distraught and in awe because the organizations that were supposed to protect me and confabulating against me and embezzling my hard earned money. Not just my hard earned money but my mothers monies because her card was also charged. By the way, she is a senior citizen. I hope you can help me with this matter. Im supplying the transcript of the call for you to review and take into consideration. This is amoral and someone needs to do something to protect citizens from these people inflicting pain. The federal government has a responsibility and oversight over banking institutions who are abusing their power and creating exploitation mechanisms to get rich. Bank of America has a history of usurping the poor and not protecting the interests of those who they have as customers. I will definitely consider where I deposit my money in the future.
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

Recently I looked at a copy of my credit report with Experian and the information on this account : XXXX XXXX XXXX XXXX This item seems to be inaccurate or inconsistent with established reporting. I stand to believe that my rights as a consumer are being violated with this inaccurate information as I'm unsure if the reporting process was done correctly. 

I'm requesting that you investigate this item to ensure it is in fact reporting accurately.