davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting account as unverified information without providing any proof within the period allowed by law. Below is the account that need to be removed : XXXX XXXX XXXX
Consumer complaint received 2024-03-14
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (OH)

, I am writing to formally dispute certain inaccuracies present on my credit report, as governed by the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681. After a thorough review of the reported information, it has come to my attention that there are discrepancies that require immediate attention and correction. There are fraudulent collection accounts, on my report that I want deleted
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

15 U.S.C Section 602A. States I have the right to privacy. 15 U.S.C Section 604A. Section 2 : it also states 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. This ACCOUNTS ( XXXXXXXX XXXX ) ACCOUNT ( XXXX ), XXXXXXXX XXXX  ) ACCOUNT ( XXXX ) Has violated my rights
Consumer complaint received 2023-06-22
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello i have tried to resolve this matter going on a year now and what seams to be happening is my claims of fraud are getting mixed up with claims that the thief made on my accountback in the begining of pandemic i applied for unemployment back in XXXX or XXXX of XXXX right after i applied XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the remainder of XXXX well when i got home from hospital i didnt have any mail from edd so i assumed maybe i didnt get approved and back then you couldnt get a real person on the phone at all so i gave up trying to call then XXXX of XXXX comes around and i get a letter from IRS saying i needed to do taxes on all these funds i received from edd so i called and spoke to someone who confirmed that indeed i had a open account and i should call bank of america so i did and they also confirmed that a card was activated and used on my account so i got tranfered to the claims department and they told me that the person had drained my account and the thief had the nerve to open several fraud claims on my account now here i go opening up my claim which is for the transactions done between XXXX of XXXX thru XX/XX/XXXX and my claim keeps getting denied because they keep saying that they already paid me for this claim but no they paid the person who stole my account back all that money and the thief spent all that money and so i just need them to actually take the time and read my complaint and they would know that i barely found out about all this in XXXX of XXXX so if they can please not just auto deny my claim and actually see the notes on my claim this is so frustrating but i cant give up im enclosing a copy of the last denial they sent me
Consumer complaint received 2024-03-15
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. (SC)

When I was XXXX, my father gave me ability to use credit. My credit score remained very low and has remained low over the years. As a user of Experian for a couple years, I use the method of disputes to try to remove reports that I wasnt linked to. I wasnt understanding why my credit wasnt getting changed over time. I have notifications that alerts me of my credit use and from time to time Ive been seeing notification alerts of my SSN has been traced and/or has been used, multiple address has been linked under my credit file and I have been unable to figure out why. Late XXXX of XXXX, I called my dad, XXXX XXXX, and asked if he was using in an apartment under my SSN and he Claimed he has no understanding and change the subject asking me what was for XXXX. I paid no attention to this. XXXX XXXX I received another notification from stating my SSN number has been used again with ann address linked with the alert. I took a screenshot of the alert. I told my boyfriend and he was giving me information on how to contact XXXX days later. The best thing I knew to do was dispute it off my credit and to call Experian. Before I had the chance to call Experian. I had a visitation with my father. He picked me up at my current address and drive to His apartment. Before I left the next day, I noticed the address on his piece of mail was linked to the alert on my Experian app. Ive noticed other things that wasnt making sense for my credit report such as, one of the first use line of credit on my credit score is a credit card from XXXX XXXX back in XXXX. The account was open right after my birthday, XXXX XXXX. I was age XXXX living with my mother, XXXX XXXX, in XXXX North Carolina. The first credit card Ive ever owned was XXXX XXXX XXXX recommended by him and he helped me open the account.
Consumer complaint received 2022-12-20
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. (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 XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : 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 2023-11-28
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PLANET HOME LENDING, LLC (TX)

On XX/XX/2023, I send Planet Home lending a Debt Validation letter giving them 30 days to respond. They did not respond and on XX/XX/2023, which is almost 2 months more than plenty time to respond, i send them a notice of fault and opportunity to cure letter. They also didn't respond to such letter instead they assigned/transferred/sold the servicing rights to XXXX XXXX XXXX which now I having to deal with sending a billing debt validation letter too since they send notice saying that during the time Planet Home Lending didn't respond to the letter late fees have been accrued. In addition in the letters it stated the address where to send respondent mail, instead they send notice of transferred to an old address.
Consumer complaint received 2023-11-28
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Chime Financial Inc (TX)

I woke up to a Welcome letter from Chime, which seems to be some credit building card/account. I never signed up for this at all. I was able to request a reset of the password and log into " my '' account which is filled out to be me but with a spelling mistake in my name and a VERY old address. Again, I never signed up for this, I have never looked into a credit building card of any kind.
Consumer complaint received 2023-09-18
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (OR)

Dear Customer Financial Protection Bureau ( CFPB ) Representative, On XX/XX/XXXX, my Discover credit card account was unexpectedly closed without a clear explanation. This closure occurred just one day before XX/XX/XXXX, which is the date when I would have reached the " Cash Back Match '' period according to Discover 's Rewards rules. Based on these rules, I would have gained an additional {$290.00} in cash back rewards. 

This sudden closure is especially disconcerting because I have been using this Discover card as my primary credit card since I applied for it. One of the primary reasons I have been committed to using this particular card is due to the appealing rewards program, specifically the " Cash Back Match '' feature. The timing of the account closure, just one day before I would have been eligible for these additional rewards, raises questions about the reason behind the termination of my account. 

I have attempted to get clarification on this matter by calling Discover 's customer service. During these calls, I was transferred to four different departments, yet none could provide me with a clear answer as to why my account was closed. This lack of transparency is concerning and makes me question the fairness of this action, particularly given that it occurred right before I was due to receive a significant reward amount. 

I am seeking a thorough investigation into the reason for the account closure and would like to know whether it is possible to reinstate my account, along with the " Cash Back Match '' rewards that I would have earned. 

Thank you!
Consumer complaint received 2023-08-29
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. (NY)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-12
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. (MO)

In accordance with the Fair Credit Reporting act the below mentioned 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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-11
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On XX/XX/XXXX Bank of America allowed a garnishment of - {$4200.00} from my money market savings account ( attached transaction image ). They did not notify me of the transaction before or after. 

I called to report it as fraud because I didnt recognize Legal Order, XXXX XXXX as an authorized transaction on my account. I was informed that it was a court order and they couldnt provide me with the entity name or information pertaining to the order. I was told I would have to go to a bank branch to get this information and a copy of the supporting document. 

After visiting the bank branch on XX/XX/XXXX, I was provided a copy of a one-page document that contained very little information as a court order ( attached ). I learned that Bank of America allowed the garnishment by the state of CA for a matter that is currently still in dispute. I am a NC resident and have been for the past 36 years. CA, in error, has charged me XXXX resident income taxes vs. an investor in a passive business investment I have in the state. I have never been a CA resident in any capacity. My bank account has always originated in NC and never CA. 

I asked for a copy of the bank policies permitting the garnishment. I was informed I would need to reference my original account documents from when I opened ( nearly two decades ago ). Given the age of my account, I informed them I no longer have these documents. I was handed a booklet that new customers are given when opening an account in XXXX and told that I would need to read through that to find the information I was looking for. I have not been able to locate any clear language in this material to explain the business practices/policies regarding matters like these. 

I recently found the attached article referencing the actions your organization has taken against Bank of America in the past 24-months for situations like mine : unauthorized garnishments and deceptive consumer information regarding their rights ; imposing unenforceable clauses in take it or leave it customer contracts; failing to adhere to consumer protections and acting on garnishment orders without disclosing that the accounts were located out-of-state and protected from the issuing courts garnishment orders.
Consumer complaint received 2023-11-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY (NY)

Long story short - Wells Fargo let a female do over 60 charge backs claiming they never received the money. XXXX allowed this and stopped investigating and closed it. Wells Fargo investigator said XXXX  needs to claim it its a clear money trail money sent to XXXX than to my XXXX  than to a Wells Fargo which none was authorized by me I even tried to file a ic3 form no one has been any help
Consumer complaint received 2023-11-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Payfare International Inc. (AZ)

No they were not properly denied and your team there at XXXX XXXX is horrible under regulation XXXX you can not do this I did not receive my service for these purchases and the company is not making it right so therefore as the card that I used to do it you have you under regulation you have to do something about it the company that I made the purchases to did not provide me the service actually they ripped me off for all of my money over {XXXX} which is under the law something that you guys have to help me with you can't just say no like I said in the original text I know that they passed purchased and everything else I made the purchases but then the company did never gave me the stuff and then they took all of my money oh my god dude you guys are ridiculous man under the law I didn't receive my service and you have to do something about it you have to allow me to dispute these charges you can not just say you have to contact the company no this is a debit card
Consumer complaint received 2023-06-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

XXXX was paid twice, second time in XXXX. XXXX XXXX credit card supposedly sold to Portfolio Recovery Associates LLC XXXX. XXXX XXXX admits debt was paid. They are lying saying they contacted me in XXXX and are negatively affecting my credit score. They never contacted me in XXXX and the debt is originally from XXXX. Paid in full for the second time in XXXX when i did the mortgage for my house. Extortion because i started trying for a new mortgage and they sent me this letter and started reporting to credit again. Its so old it shouldn't be on my credit report or able to be collected. Especially when it is paid!! They don't even have any original paperwork showing a debt was ever owed. 
It is showing on my credit as paid in full but negative. XXXX XXXX bank agrees its paid. 

the address for Portfolio Recovery is XXXX XXXX XXXX XXXX Va XXXX
Consumer complaint received 2023-11-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (DC)

I have only federal student loans from XXXX and XXXX XXXX  I have been enrolled in PSLF since XXXX. In XX/XX/XXXX I consolidated all of my loans to take advantage of the IDR one time account adjustment. I then applied for the SAVE repayment plan on XX/XX/XXXX. Student loans website said that application was completed on XX/XX/XXXX, it said I would owe {XXXX} a month. In XXXX and XXXX, I like many other millions of people was put on administrative forbearance. As per 34 CFR 685.219 ( c ) ( 2 ) ( v ) ( H ), periods of administrative forbearance should be counted towards PSLF when you are at a qualifying employer, which I am. The forbearance is set to end on XX/XX/XXXX. On XX/XX/XXXX, I log into my Mohela account and find that my bill is actually {XXXX}, which is MORE than {XXXX} if i can do the basic math. I also found out that i was not on the SAVE plan, but on the LEVEL plan. Which not only doesn't count towards PSLF but is XXXX higher than what the payment should have been. I called MOHELA on XXXX XXXX, XXXX, and while they said they could elevate the payment count issue with the administrative forbearance, they could not help me with the SAVE plan and i needed to call student aid. So i called student aid. They told me that their records show the information about my SAVE application was sent to MOHELA on XX/XX/XXXX. They recommended that I resubmit the SAVE application, which i did. They also contacted MOHELA to get this sorted and then told me to file a complaint on their website. I am filing a complaint here because MOHELA is a loan servicer and both MOHELA and student aid, have no clue what is going on, and it puts my livelihood and the livelihood of millions of people in jeopardy. CFPB, congress, and the public needs to understand what is going on, because its not getting resolved any time soon and the government is continuing to co-sign loans for XXXX XXXX XXXX.
Consumer complaint received 2023-11-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (NY)

In XXXX, I initiated a payment from my XXXX checking account to pay my Chase credit card. I had recently made a large purchase on my XXXX account, and had received a call to confirm I made the charge. Despite calling back within 10 minutes and leaving a message providing such confirmation, XXXX temporarily froze my account. 

As a result, the payment was declined and Chase unlinked my XXXX account as a payment source. Chase will not relink the account without a verification of deposit letter on XXXX letterhead. XXXX will not issue a letter, and will only complete a form provided by Chase. Chase will not issue a form. I've spent numerous hours on the phone with each/both institutions, in chats, and on social media and neither will assist. As a result, I need to make multiple transfers to other accounts just to pay my monthly statement... I'm told my only options are to pay by phone, mail or another account, which seems RIDICULOUS - particularly since Chase lets me use the XXXX account to pay XXXX other cards.
Consumer complaint received 2018-12-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (TN)

Again I am trying to resolve my mortgage payment issue. I did try calling person listed on the complaint but I have yet to receive a return call. On today I received a letter stating that I have not made my XXXX and XXXX payments and I have. I have letters from my bank confirming monthly payments that have not been returned from XX/XX/2018 - XX/XX/2018. I still do not understand why Pennymac records arent correct. I will attach my bank statement which shows payments and no NSF fees and I have verified with my bank ( XXXX XXXX ) that payment for XXXX and XXXX have cleared. They will be mailing out this information to me within the next 24 hours. I only have a letter from the bank, on bank letterhead that states my XXXX payment was not returned, but paid and cleared. I do not have my XX/XX/2018 bank statement, however I have attached my detailed account summary that clearly shoes the payment.
Consumer complaint received 2023-11-28
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

On XX/XX/2023 I sent 6 certified return mail letters to the following companies Capitol One, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX. My accounts were charged off but i was not sent my 1099-C form for cancellation of debts. They knowlingly did so and filed it as cancelled debt instead of sending my 1099-C forms to me. All of said companies have not sent me my requested documents immediately. 
You received this form because a federal government agency or an applicable financial entity ( a creditor ) has discharged ( canceled or forgiven ) a debt you owed, or because an identifiable event has occurred that either is or is deemed to be a discharge of a debt of {$600.00} or more. If a creditor has discharged a debt you owed, you are required to include the discharged amount in your income, even if it is less than {$600.00}, on the Other income line of your Form 1040 or 1040-SR. However, you may not have to include all of the canceled debt in your income. There are exceptions and exclusions, such as bankruptcy and insolvency. See Pub. 4681, available at www.irs.gov/Pub4681, for more details. 
If an identifiable event has occurred but the debt has not actually been discharged, then include any discharged debt in your income in the year that it is actually discharged, unless an exception or exclusion applies to you in that year