davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (RI)

Mohela is servicing my loan. For some reason, when taking payments into account for debt forgiveness, they have neglected to include the years XXXX. I have been calling them since XXXX to get this remedied and I am always told by the customer service representative that they have no idea why those years weren't included and that they definitely should be included. They are not listed as eligible or ineligible payments, they are just missing years of my payments altogether. I have been told that the issue is under review and will be resolved in 5-10 business days. I have been told that for 5 months. I do not believe that they plan on remedying the situation at this point. I have called on XXXX separate occasions. In addition, I have been at the same job the entire time and have submitted paperwork to show that. If payments counted in the other years, there is no reason why they wouldn't count in those years as well.
Consumer complaint received 2023-03-16
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. (LA)

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 XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 2024-04-22
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. (TX)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Texas, XXXX XXXX XXXX XX/XX/XXXX TransUnion TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Subject : Demand for Deletion of Late Payment Discrepancy from TransUnion Credit Report Dear TransUnion, I am writing to formally demand the immediate deletion of a late payment discrepancy from my TransUnion credit report concerning my account with XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Account Number XXXX. This discrepancy pertains to the reporting of a late payment on my TransUnion report for XX/XX/XXXX, while my XXXX report shows a late payment dated for XX/XX/XXXX. 

I assert that this discrepancy is inaccurate and does not reflect the true payment history for the specified period. The details of the account are as follows : The inaccurate reporting of a late payment on my TransUnion report for XX/XX/XXXX adversely affects my credit standing and contradicts the information on my XXXX report. This discrepancy is concerning and requires immediate attention and correction. 

I remind you of the Fair Credit Reporting Act 's ( FCRA ) provisions, which mandate credit reporting agencies to ensure accuracy, completeness, and fairness in credit reporting. Specifically, FCRA Section 611 ( a ) ( 1 ) ( A ) grants me the right to dispute inaccurate information directly with the credit reporting agencies and requires prompt investigation and correction of such disputes. 

I demand that you conduct an immediate and thorough investigation into this matter and delete the inaccurate late payment entries from my report for XX/XX/XXXX. Additionally, I request that you update my credit report to accurately reflect the correct payment status to paid on time for the specified time period. 

Failure to comply with this demand may result in further legal action to protect my rights under the FCRA. 

I expect your prompt attention to this matter and look forward to a swift resolution.
Consumer complaint received 2023-12-29
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. (NY)

Dear CFPB, I am writing to file a complaint against Equifax, XXXX and XXXX for violating the Fair Credit Reporting Act ( FCRA ) and TILA 15 U.S. Code 1666 ( b ) regarding a billing error on my credit report.

Please see the dispute letters I attached on this complaint. It consist the account details.

The presence of this inaccurate billing error on my credit report is causing me significant harm, including : 1. Difficulty obtaining credit at favorable rates.

2. Higher interest rates on existing loans.

3. Denial of credit applications for housing, car loans, or other financial products.

4. Damage to my credit reputation.

I urge the CFPB to investigate this matter thoroughly and take appropriate action against the Bureau involved for violating TILA 15 U.S. Code 1666 ( b ) and the FCRA. I request that the CFPB : 1. Order the credit bureau ( s ) to remove the inaccurate billing error from my credit report.

2. Require the credit bureau ( s ) to provide me with a copy of my updated credit report reflecting the changes.

3. Ensure that the credit bureau ( s ) take all necessary steps to prevent similar errors from occurring in the future.

4. Consider taking further action against the bureau ( s ) for their violations, including potential fines or penalties.

I have attached the copies of my dispute letters sent to the credit bureau, and any other relevant documentation for your reference.

Thank you for your time and attention to this matter. I look forward to your prompt response and resolution of this issue.
Consumer complaint received 2023-12-29
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. (NY)

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 2023-12-28
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This organization Bank of america is not doing a good job in resolving this issue because they are investigating their own self. I would like for them to take my name off of the XXXX XXXX which they have falsely place me on without a proper investigation. I have been trying they gave me a number to speak to some who never answers their phone I have called and left messages countless times and was never able to speak to this person who I feel doesnt exist or do not want to be bothered. This situation is affecting my life because I'm not able to open a bank in any banking system because of my name being placed on XXXX by BOA without a proper investigation and this has been XXXX years now and no result.
Consumer complaint received 2023-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2024-04-22
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. (MI)

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  Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX Account Name XXXX XXXX XXXX Account XXXX Account Name : XXXXXXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account 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 2024-04-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

According to my most recent credit report, your company is continuing to report unauthorized inquiries even after my dispute letter that was sent on XX/XX/2024. I did not grant any organization authorization to review my credit report. The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. The creditor and the CRA 's failed to provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I am once again demanding that the following inquiries are deleted from my credit report : XXXX XXXX XXXX TRANSUNION, XXXX TRANSUNION, XXXX XXXX TRANSUNION, XXXX XXXX TRANSUNION , XXXX XXXX TRANSUNION, XXXX XXXX  TRANSUNION, XXXX XXXX TRANSUNION, XXXX XXXX  TRANSUNION, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-22
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 XXXXXXXX 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 2023-12-29
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: EQUIFAX, 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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, 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 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 2023-02-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of the Hudson Valley, Inc. (CA)

To Whom it May Concern, XX/XX/XXXX, I canceled service with XXXX. I moved out XX/XX/XXXX. 
My next statement period started XX/XX/XXXX ; they charged me for another month before cancelling my service. 
I called XXXX repeatedly and would talk with a supervisor who would look into my account and say, " this is a mistake and you do not owe the money ''. 
I wrote XXXX XXXX XXXX an email and by mail ( Dispute # XXXX I never received a reply. 

I then received a notice from CBHV a collection agency reference # XXXX. 
I again sent them a dispute request along with the original note sent to XXXX and never received a reply. This was mailed XX/XX/XXXX. I never received a reply. 

On Monday XX/XX/XXXX, I received a call from another collection agency Convergent at my place of employment. I am extremely upset that they are calling me at work for a debt I do not owe. 
I received on XXXX XXXX I received a notice in the mail from XXXX trying to collect the debt. I again will send out another dispute this time certified mail. 

This is all for {$75.00} I do not owe this money and have repeatedly tried to dispute this. 
I am extremely distraught that they are calling my place of employment. 

If there is anything you can do to help me settle this I would appreciate it. 

Thank you, XXXX XXXX
Consumer complaint received 2023-04-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P. (NC)

This company is threatening to forward my information to someone I've never done business with in order to file suit. While typing this I have received another email correspondence with threats. I'm not sure how this company received my location information. Its seem someone else sold my personal information along with an alleged debt. The stress this company is causing me is becoming unbearable, I feel my character is being defamed.
Consumer complaint received 2023-09-29
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. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-22
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. (MA)

I'm resending my dispute letter since I didn't get the full resolution to my concern. Again, I can still see information were not authorized by me, I am a victim of Identity Theft and this information is inaccurate.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX, XXXX, and Transunion all claim they verified my backruptcy from the courts and the court stated that they don't verify bankruptcies to the credit bureaus.
Consumer complaint received 2023-04-13
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)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 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 2023-04-12
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: TRUIST FINANCIAL CORPORATION (OH)

Trust is the original lien holder for the title on my vehicle which was paid off in 2020. I have been reaching out to them for XXXX  months trying to get a lien release mailed to me so I can register my vehicle in a new state. Despite calling their customer service and being told repeatedly that it would be mailed to me, Ive waited now XXXX  months without receiving the document and I cant drive my car without it. I have even followed up with their Closed Loan Department without any success. The resolution I would like is for Truist Bank to send me my requested Lien Release so I can use my car again.
Consumer complaint received 2023-04-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ARVEST BANK GROUP, INC. (AR)

I made half of my car loan with my bank who is also the leinholder over the phone with an Arvest employee on XX/XX/XXXX and that payment is showing on my bank account as being withdrawn from my checking account and then on XX/XX/XXXX which was on a Saturday I paid the rest in the amount of XXXX I checked my account online on that following Tuesday and it had not cleared my account yet so I called that same day and asked about it and they told me to call or check my bank account in two more days and it was not taken out yet. So I called again and they said that the money was taken out and then put back into my account so I opened my Arvest app while on the phone with a customer service representative and looked and I told them there was not anything showing in my account that the money was ever withdrawn or added back to my account I have called and went into a local branch for the past three weeks and have accomplished nothing on where the money went I was then told that the XX/XX/XXXX payment was made and then reversed which again there was nothing showing that and all it shows is where the money was taken out the bank keeps telling me I need to make the payment again and that I should have asked the Arvest employee to repeat the account number to me and that I am responsible for the money I have made the car payments over the phone with a parson for the last seven months and I pay over the phone so that the money comes out right away because I hate sending checks because you have to wait around for them to clear your account I am getting no where with this problem I have never had a problem with it until now and I asked if they could see who took my payment and they wont go into that conversation with me I always pay all of my bills and I do not have time to waste time on the phone with any company over a bill that I know I have paid my phone number is XXXX XXXX XXXX I need help with handling this problem
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I've learned that the creditor didn't provide the necessary XXXX notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2023-12-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (OH)

Earlier this year in XXXX, the WePay by J.P Morgan company decided to stop processing payments for my business, after this they stated that all the funds in my account would be placed on hold for 120 days. I appealed but was denied and waited the full 120 hold period. The period ended on XX/XX/XXXX, I then reached out and was told to submit a wire transfer form so they can send me the funds. I did this and sent over the form on XX/XX/XXXX. Now here we are in XXXX and I am being told I may not receive my funds for another 60 days. Which at that point it would be 8-9 months since my funds were originally held and is far beyond the legal holding period. I am not receiving and help or service from WePay, as I have asked numerous times to speak on the phone with someone which was denied. I have no answers as to how or why they are continuing to withhold my funds from me.