davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-14
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. (TX)

The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.
Consumer complaint received 2018-11-28
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: GOLDMAN SACHS BANK USA (WA)

I enrolled with XXXX XXXX XXXX in XXXX of 2018 and, per their advice, changed my contact information with them to the XXXX info. They called my personal phone and attempted to collect the debt. I informed them at that time that I had contracted with XXXX which, in Washington State, is legal  representation. I told them on their recorded line not to contact me anymore and to communicate with XXXX. I told them I knew they had the contact information readily available because I had updated my information to XXXX XXXX. They contacted me and left voicemails at least 14 more times between XXXX to XXXX of 2018. I still have the voicemails saved on my phone.
Consumer complaint received 2024-04-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CO)

My previous XXXX complaints with CFPB against MOHELA can provide background information. This is the latest message I've sent to MOHELA, which reflects the same question I asked them on the phone today, regarding the latest error/problem they've caused in the extensive journey of problems I've had with them since XX/XX/XXXX. 

" Please see notes in my account from XX/XX/XXXX. Representative XXXX ( ID # XXXX ) & her supervisor helped me submit a SAVE application and it was set with expedited status. I was promised this would be processed no later than XX/XX/XXXX. Why was this XXXX application submitted XX/XX/XXXX cancelled? IT SHOULD NOT BE CANCELLED. I received no correspondence about this - what is happening? Please, for the love of XXXX, have someone assist EFFECTIVELY with this. MOHELA has screwed up several SAVE applications of mine since XX/XX/XXXX. What on earth is going on? '' On XX/XX/XXXX, a MOHELA rep ( XXXX, ID XXXX ) told me that she confirmed via MOHELA 's internal documents that my first SAVE applications were somehow incorrectly processed as PAYE applications- which is insane, because I'm already on the PAYE plan, and very clearly requested the applications be made for the SAVE plan. 
XXXX then told me her supervisor was processing an expedited SAVE application on XX/XX/XXXX, and that I should hear back no later than XX/XX/XXXX. Obviously that did not happen. 

This is not hard. MOHELA : Just process the SAVE application. If it's not approved, fine, JUST TELL ME. COMMUNICATE CLEARLY.

The incompetency is surreal at this point.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MO)

I have several federal student loans through MOHELA that they continue to have an error with that will not allow me to make payments. I have spoken with MOHELA a minimum of four times about this issue. What occurs is I go in and make a payment through their website. The payment is pending for several days and disappears. I have tried re-entering my banking information. The only way to make a payment with them is over the phone. Every time I speak with them, they think they have resolved the issue, only for the next month to come around and I have to go through the same process again. The other issue with the whole process is their insanely long hold times on the phone. I am just trying to pay my students loans, and at this point I have spent no less than 7 hours on the phone with them for just three payments.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-12-14
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. (IL)

I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (NY)

PER the FCRA as a federally protected consumer i am now opting out of an ANY and ALL authorization that I the consumer may have given .Written, unwritten, verbal and non-verbal per the 6802. Obligations with respect to disclosures of personal information. In accordance with the fair credit reporting act, under 15 U.S.C 1681s-602 it states I have the right to privacy and this creditor has violated my rights. 15 U.S.C s-604 ( a ) s-2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 1666 ( b ) A creditor may not treat a payment on a credit ( 1 ) Reinvestigation required.

per 15.u.s.code 1681i ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
It is also important to note that my information has been breached by XXXX
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2023-12-14
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. (MO)

I am writing to express my deep frustration and dissatisfaction with the many unsuccessful attempts to remove fraudulent items from my credit file. Despite my persistent efforts and cooperation, the fraudulent entries persist on my credit report, causing significant distress and adversely impacting my financial standing. 

I have previously submitted identity theft affidavits, police reports, and supporting documentation in my attempts to rectify these inaccuracies. Regrettably, it appears that the necessary actions were not taken to ensure the timely and accurate removal of the fraudulent items. 

The continued presence of these inaccuracies is not only affecting my creditworthiness but is also causing significant challenges in securing credit, obtaining favorable interest rates, and managing my overall financial well-being. 

I urgently request an immediate and thorough reinvestigation into this matter to expedite the removal of the fraudulent items from my credit report. I expect a detailed response within the exact timeframe acknowledging the receipt of this complaint and outlining the steps that will be taken to address and rectify the fraudulent items promptly. 

Failure to resolve this matter in a timely and satisfactory manner may compel me to escalate my complaint to regulatory authorities and seek legal recourse to protect my rights. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (GA)

Date : XX/XX/XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX SSN : XXXX Contact Number : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Dear XXXX, I am writing to dispute unauthorized credit inquiries on my credit report that I believe to be fraudulent. I did authorize the inquiry but I got denied for a loan based from a fraudulent collection account. They removed the collection account as asked. If the fraudulent collection account was not on my report I would have been approved for the personal loan. I couldn't bury my grandmother because of the loan denial. I am requesting that this item will be removed from my credit report as they are affecting my credit score unjustly and essentially ruining my life. I called NAVY FCU and they told me disputes are placed on XXXX and not through them. 

Personal Information for Verification : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX SSN : XXXX Contact Number : ( XXXX ) XXXX The details of the fraudulent inquiry are as follows : NAVY FCU ( FINANCE ) XX/XX/XXXX XXXX XXXX XXXX, XXXX, VA XXXX ( XXXX ) XXXX The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. This inaccurate reporting is negatively impacting my good name, character, and ability to qualify for new credit. As a consumer, I have a right to accurate and fair reporting of my credit history, and this discrepancy is creating an unfair and inaccurate representation of my creditworthiness. 

Enclosed are copies of [ any relevant documents or proof of the dispute, such as my ID, I request a prompt investigation into these matters and the removal of these unauthorized inquiries from my credit report. Please confirm the receipt of this letter and inform me of the outcome of your investigation. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-04-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NAVY FEDERAL CREDIT UNION (FL)

Collection Agency has not provided validation Information under 12 CFR 1006.34 ( b5 ) but yet they placed a collection on your consumer report.

You have not been given a chance to dispute account according to 12 CFR 1006.34 ( cH4 ) I ) Collection agency is violating your consumer rights by using false misleadin, misrepresentation and deceptive means.

Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) PLEASE REMOVE OR DELTE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNT FROM MY CONSUMER REPORT. 
ACCORDING TO THE FCRA IT IS A VIOLATION. 

NAVY FCU I AM UNAWARE OF THIS DEBT. I DID NOT HAVE THE OPPORTUNITY TO DISPUTE THIS DEBT. I DID NOT RECEIVE PROPER NOTIFICATION. IF IN FACT YOU BELIEVE I RECEIVE PROPER NOTIFICATION. PLEAE PROVIDE THE CERTIFIED MAIL WITH THE RECEIPT WITH MY WET SIGNATURE ON THERE STATING I RECEIVED IT.
Consumer complaint received 2023-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I mailed out letters to the credit bureaus requesting a verification of the items listed on my credit report. They responded saying that the information was accurate. 

After further investigation and thorough research I discovered improper inaccuracies on my credit report after their alleged verification. 

Accounts in question : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Account # : XXXX XXXX Account # XXXX XXXX XXXX XXXX reporting the same debt twice with two different account numbers. XXXX XXXX XXXX XXXX Account # XXXX XXXX ( Multiple inaccuracies found ) Reporting as : ( Original Creditor : ) Account # : XXXX ( Multiple inaccuracies found ) XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX ( Multiple inaccuracies found ) XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX ( Multiple inaccuracies found XXXX XXXX XXXX Account # : XXXX ( Multiple inaccuracies found XXXX XXXX XXXX Account # XXXX XXXX* ( Multiple inaccuracies found ) In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have 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 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (GA)

NAVY FEDERAL IS ILLEGALLY REPORTING LATE PAYMENTS FOR ACCOUNT XXXX 30 DAY LATE PAYMENT XXXX XXXX XXXX XXXX 15 USC 1681a section 2 provides exclusions to the term " consumer report ''. The term " consumer report '' does not include : Any report containing information solely as to transactions or experiences between the consumer and the person making the report.
Consumer complaint received 2023-12-14
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. (WI)

The inquiries occurred throughout the year. The only items listed correctly is XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Any other inquiries were not done by me.
Consumer complaint received 2018-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

I keep trying to get XXXX XXXX removed. The new law says that if any data is not reported in 6 months it has to be removed. It is still there. Also. It was not my account. I paid it because it was messing up my credit. They cant say I paid it therefore it is mine. Thats what I got from them. Also XXXX XXXX   told me they would have it removed. And have not. I sent the letter to experian and they did not either. They are suppose to report accounts information
Consumer complaint received 2024-04-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Collection Bureau, Inc. (KS)

I previously submitted a compliant with the CFPB on XX/XX/XXXX # XXXX In the previously complaint I requested debt verification for a second time. The first time I requested debt verification was XX/XX/XXXX, when I sent a letter via certified mail to XXXX  patient services. 

I received a letter from XXXX XXXX XXXX on XX/XX/XXXX which included an e-mail address that I was directed to respond to for more information. The letter that United Collections Bureau sent me was not debt verification, but instead just another copy of the bill they are attempting to collect. 

Section XXXX of the the CFPB rules and policies outlines that the company has 5 days to respond after initial communication, at this point it has been 10 days since I emailed United Collections Bureau asking for debt verification. 

I have already paid my debt to XXXX, I do not know how United Collections Bureau received my medical information, and I am tired of attempting to resolve this with them when they will not fulfill their obligation to me as a consumer.
Consumer complaint received 2023-12-19
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A. (AZ)

PNC closed my business, personal and my wife personal account without providing any specific reason. I have been banking with BBVA for XXXX years later acquired by PNC XXXX I need help to know the reason why they are closing my account when I have relationship with them for so many years. Please help.
Consumer complaint received 2024-04-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CO)

On XX/XX/2024, XXXX transactions were made in my Wells Fargo checking account that I did not make. 
XXXX from XXXX XXXX for {$83.00} XXXX from betway.com for {$290.00}. ( those were all credited back ) XXXX from XXXX XXXX for {$2500.00} ( that charge is no longer visible on my account ) XXXX from XXXX XXXX XXXX for {$2600.00} Wells Fargo told me that XXXX XXXX XXXX told them these were all credible charges by the consumer. I spoke with XXXX XXXX XXXX and they have no record of me having an account and told me Wells Fargo should handle this. 

I have filed at least XXXX claims and have spoken to many people at wells fargo. Each time I am told a different story. I have opened multiple tickets and have repeatedly been told that they are unable to locate the tickets and continue to tell me the case is closed. 

None of this makes sense. My Wells Fargo bank account was cleaned out in about XXXX minutes and I immediately called Wells Fargo and asked them to decline the pending charges and they refused. 

I spent an enormous amount of time, since XX/XX/XXXX, trying to resolve this matter. The conversations are repetitive and get nowhere. All of the conversations are recorded. 

This is a significant amount of money for me. I am a school teacher and live paycheck to paycheck and really need some help
Consumer complaint received 2023-12-15
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. (MO)

These are all unauthorized and unknown inquires on my consumer credit and to my knowledge according to the FCRA legally these unverified & unauthorized items must be removed. FTC # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX