davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-22
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (GA)

XXXX XXXX XXXX opened a joint NetSpend all access account without my consent and had my Georgia unemployment checks sent to this account. I contacted NetSpend and was told that they would close the account and return my money back to the sender but they never received the money. This was in XXXX of 2020. I am now being told that they closed the account and sent the money to the IRS but the IRS said they did not. I paid the taxes on this money and want my money. One check was for XXXX dollars and one for XXXX XXXX and some change. This is ridiculous and I want my money. How can you let someone do this without my consent.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (SC)

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these accounts. 

XXXX 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
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services (TN)

I applied for a loan consolidation of my student loans that was approved and consolidated in XX/XX/XXXX, during that process they were also transferred or sold to EdFinancial Services. I applied for the XXXX XXXX XXXX that was also approved in XXXX of XXXX. I reached out to XXXX and they stated it would take some time to update and be deleted from my report. I received an email from them in XXXX, I received a letter from them in the mail XXXX XXXX stating my loans were XXXX percent discharged and would be removed from my credit report within XXXX days. I reached out to the company again and spoke with someone who stated her name is XXXX, I asked her why is my loans showing a balance double from what I originally owed in student loans which is XXXX now your records shows over XXXX. I noticed they were showing my original loans before they were consolidated as well as the consolidated loans. She only kept stating it takes longer to discharge consolidated loans. I was put on hold several times just to keep getting told the same thing over and over it takes time. But according to the letter it stated XXXX days which is basically false information. Now my credit report is showing as if I owe on multiple loans that should be removed by now. Ive attached a document showing when my loan was with the first servicer as XXXX it was transferred to XXXX in the amount of XXXX but they are telling me I have a balance of XXXX and they discharged some other loans and removed them from my credit report.
Consumer complaint received 2023-04-20
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. (PA)

Fraud Inquiries On All Three Credit Reports 1XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-02-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (OH)

On XX/XX/2024 I submitted a payment of {$14000.00}. This amount was to pay off XXXX of my loans, XXXX amounting to {$7600.00}, and the other {$6600.00}. The {$14000.00} was withdrawn from my bank account XX/XX/2024. The payment of {$14000.00} was listed as pending on EdFinancial until today, XX/XX/2024. Today, it shows {$6600.00} as received. My loan of {$6600.00} is marked as paid off to {$0.00}. The {$7600.00}, however, is missing. There is absolutely no sign of the money in my recent payments. All that is listed is the {$6600.00}. My loan of {$7600.00} is still at full balance.
Consumer complaint received 2024-02-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Lien release
Company: FIRST AMERICAN FINANCIAL CORPORATION (TX)

My home loan ( Loan number XXXX ) with XXXX XXXX XXXX XXXX XXXX, was paid off in full in XXXX, XXXX. The address is XXXX XXXX XXXX XXXX, XXXX, TX. 

I received a XXXX XXXX on XX/XX/XXXX that was filed in the XXXX XXXX. The XXXX was filed in XXXX XXXX ( which I had never even heard of ) and not in XXXX XXXX as it should have been. The title company the mortgagor used to prepare the XXXX was First American Mortgage Solutions, XXXXXXXX XXXX XXXX, Idaho XXXX, ID XXXX. The release of lien was performed by XXXX XXXX, XXXX XXXX. 

I sent an email to the title company ( XXXX ) on XX/XX/XXXX and received the following email message from FACA-RA-questions.cleanfile, stating the following : " Hello, Please contact the lender, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX for assistance with your below request. 
Thank you. '' I did not notice this until I went through a nearly three-month process attempting to acquire a home equity line of credit when my proposed lender finally informed me to look at my Release of Lien and note that it was not filed in XXXX XXXX XXXX 

I need to have the original release of XXXX filed in the XXXX XXXX of XXXX immediately and a new XXXX  ( backdated with original paid-off date ) mailed to me. 

First, I called the XXXX XXXX clerk and was told that I needed to contact my lender. When I attempted to call XXXX XXXX XXXX, XXXX, they were unable to connect me to someone who could help because they did not show my loan number. XXXX XXXX XXXX was the third lender for the house at XXXX XXXX XXXX XXXX. The first was with XXXX XXXX, which sold the loan to Bank XXXX XXXX. XXXX  XXXX XXXX sold to XXXX. Finally XXXX sold to XXXX XXXX XXXX. 

Thank you very much for your assistance.
Consumer complaint received 2024-03-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP (IL)

My payroll direct deposit went into the Laurel Road checking account. The bank has restricted/frozen my entire balance of {$2200.00} resulting in financial hardship. I have been unable to pay my day to day bills for over 7 days. I have called several times and Im the sole owner of the account. My payroll matches the name and address on the account and the account has had my direct deposit going into it for several months. I researched online and many consumers are experiencing and complaining about the same issue or scam with this bank taking weeks or months to un-restrict the account with no valid explanation. I do not owe Laurel Road any money or fees. Im getting the run around of when the account will be unrestricted. They are not providing any sort of timeline while all my bills are piling up. According to the bank its a fraud hold for my own protection. The bank holding funds from a payroll deposit when you dont owe the bank any fees or money seems to be more of a scam here. Please assist with my filing my complaint. I have had many checking accounts over a 20 year period and never quite seen anything like this.
Consumer complaint received 2024-03-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP (FL)

I am currently in XXXX and can not access my social security direct deposit because Laurel Road bank is unable to send verification text to my phone. The bank will not send a verification email instead so that I can be verified. As a result I am XXXX  XXXX and unable to access my funds to pay bills although prior to leaving the country I did add external account for transfers for this exact purpose. I asked for supervisors to override as I was able to answer all questions to verify it was my account and they still refused to help saying their hands were tied. The supervisor was in a meeting and I was told to wait over an hour on hold.
Consumer complaint received 2024-03-23
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. (AL)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-03-23
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. (FL)

I am a KNOWN victim of identity theft. I have been dealing with this for over 2 years now. I have summitted the proof and documents to the credit bureaus several times and they just do absolutely nothing about it. XXXX is the worst of the big three but the other two are doing the same thing to me as well. I really need help. I am in the process of trying to buy a home for my daughter and I and I can not, because someone stole my information.
Consumer complaint received 2024-03-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

In XXXX of XXXX, my wife was involved in a pig butchering scam. We had a joint account at Bank of America in XXXX, California, outside of XXXX XXXX. On 4 dates, she had made transfers for a total of {$190000.00} to a crypto account, that was then transferred to the criminals who stole the money. They originally contacted her via XXXX. Once I found out the money was stolen, I went with my wife to BOA to address the situation. They stated that she had made the transfers, that I had no right to be contacted about the wire transfers, and that they would look into it. I signed a statement, which reviewing it now, is a complete lie. On that statement, it said that I had made the transfers. I was not the person going to the bank making the wire transfers. That was my wife, and I had no knowledge. The manager there wouldn't give me her name as if she was the manager of a XXXX 's. Mind you, the treasury helped support banks like this to the tune of billions of dollars in 2008, and BOA was able to buy a mortgage company at a fraction of their price. A few months later, I get a statement from BOA saying they couldn't recover the funds. XXXX transfer ( $ XXXX on XXXX XXXX, XXXX ) she made from the Bank of America to XXXX to buy XXXX. XXXX transfer ( XXXX XXXX, XXXX ( $ XXXX ) ) to XXXX to buy XXXX. Third transfer, XXXX XXXX, XXXX ( $ XXXX ) to XXXX to buy XXXX, and fourth transfer, XXXX XXXX, XXXX ( $ XXXX ) to XXXX to buy XXXX. 

When we reported this to the sheriff at XXXX, and provided him with all the information, he never even filed a report because he said there was nothing he could do. 

I would like to know this : Were these transfers, because of their amounts and short time period, ever reported as required of these types of banks by law? I want my money back, and I want my government to shut down all crypto exchanges. Do your job.
Consumer complaint received 2023-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (IL)

I'm writing to express my concerns regarding an issue with my American Express XXXX XXXX ( XXXX XXXX account. It has been suspended since XX/XX/2023, which has prevented me from transferring points to partner airlines. 

In XX/XX/2023, I made expenditures amounting to over {$6000.00} on my card, for which I earned XXXX XXXX XXXX as welcome bonus soon after. Subsequently, some of these transactions were refunded by the merchant. I believe American Express erred in issuing the points to my account before the end of the statement period, leading to this situation. 

The suspension of my XXXX XXXX has caused significant inconvenience. As of now, I've made further purchases that exceed {$6000.00} on the card, demonstrating my commitment and usage. For reference, I have attached all relevant statements. Please unfreeze my XXXX XXXX  ( XXXX XXXX account immediately.
Consumer complaint received 2024-03-23
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: Experian Information Solutions Inc. (MS)

On XX/XX/2024 I requested that XXXX accounts be verified. 
According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 1 ) ( A ), you are required by federal law to 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 before the end of the 30 day period beginning on the date you received this notice.

I demand to see Verifiable Proof ( This should be hard evidence that goes all the way back to the original creditor, not verification from a third-party database. ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately : XXXX XXXX XXXX Unverified Account XXXX  XXXX XXXX Unverified Account XXXX XXXXXXXX XXXX Unverified Account
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OK)

I had a auto loan with XXXX  XXXX XXXX. I traded the vehicle in and i am showing a XXXX write off on my credit report. This information is incorrect. As the dealership requested the full payoff of the existing loan.
Consumer complaint received 2024-03-23
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. (PA)

XXXX ) XXXX ) XXXX XXXX XXXX-Disputed discrepancy in reporting contradictory open and closed dates and that account was too old to be reported to credit bureaus. XXXX removed account from Credit Report but XXXX and Experian did not. ( Report Created On : XX/XX/2024 File Identification Number : XXXX Provided by XXXX Consumer Relations )
Consumer complaint received 2024-04-13
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. (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-27
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. (OH)

I received email from credit monitoring that XXXX pulled my credit for something. Called them they said they showed no account and advised to contact their fraud department after waiting for hours and opening a XXXX  complaint for wait they advised same thing no record of my info. Now years later a debt buyer opened a collection against me for this when I have never had XXXX XXXX ever and attempted to stop the fraud when it occured.
Consumer complaint received 2023-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I have recently checked out a copy of my credit profile and unfortunately, it has come to my attention that some of my personal information is incorrect. I reach out to EXPERIAN If you would please be so kind as to delete this inaccurate information from my credit profile, I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
Consumer complaint received 2023-12-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Co-signer
Company: MOHELA (LA)

The veterans affairs rebuffed in my payments for tuition as I just tried to get papers from there offices and they dont have any of my paperwork but refused to pay or provide any addition signiiture after ruining my schooling .Mohela also has charged me for loans that are in forbearance till XXXX through park being charged interest each time I deal with them its lie after lie I am trying to discharge my loans and now being called XXXX  by these people in retaliation. Because Im not a nurse and have XXXX XXXX I want these loans discharged Im being lied too and charged interest in loans I really dont owe because they were not accredited
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

COMPANY IS LISTING INCORRECT INFORMATION, 30 DAY LATES AND I HAVE NEVER BEEN LATE. I REQUESTED THAT THEY DO RESEARCH AND REMOVE. i ALSO OPTED OUT FOR ALLOWING ANY NEGATIVE INFORMATION TO BE SHOWN ON MY CREDIT REPORT.
Consumer complaint received 2024-03-23
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: Experian Information Solutions 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 2024-03-23
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. (PA)

The XXXX XXXX XXXX Account- Disputed discrepancy in reporting contradictory open and closed dates and that account was too old to be reported to credit bureaus. XXXX removed account from Credit Report but XXXX and Experian did not. ( Report Created On : XX/XX/year> File Identification Number : XXXX Provided by XXXX XXXX XXXX. INVESTIGATION RESULTS- DELETED : The disputed items ) was removed from your credit report. ) ( In response to your dispute, this item was DELETED from your credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Between XX/XX/year> and XX/XX/year>, your credit card account with XXXX XXXX XXXX XXXX XXXX XXXX was removed from your credit report. )
Consumer complaint received 2023-09-22
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. (CO)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ( names, accounts or inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

XXXX XXXX has me reported as having a checking account. I have sent them FTC and police report advising that my roommate at the time use the account because he was from a different country and was using my personal information to be able to access checking accounts and credit cards.
Consumer complaint received 2023-07-08
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. (KS)

There is information that is in my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported in my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block this information has been ignored and at this point I have been severely injured and I want to move forward with legal actions