davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (IN)

Hello, I am writing regarding my public student loan forgiveness application ( PSLF ). I filed an application for this in XX/XX/XXXX. I received a letter from the department of Education on XX/XX/XXXX. The letter stated that I qualify for the XXXX program and my loans would be transferred to Mohela. I had not heard from Mohela after receiving the letter, so I called Mohela in XXXX of XXXX. Mohela claimed they had not received my application and recommended I contact XXXX XXXX and Dept of Ed. I called and spoke with a representative at both. I was advised my file was sent to Mohela and that it would be sent again. I had not heard from Mohela so called in XX/XX/XXXX. Mohela claimed they still did not have my file. But while on the call, the phone rep claimed he saw the documents but that a file had not been created. He stated I should receive a welcome letter from Mohela within thirty days. It is now XXXX of XXXX and nothing yet from Mohela. I check the status of my application weekly at https : //www.mohela.com/DL/secure/borrower/PSLF/PSLFInformation.aspx There is no status on my form. I have now worked for a qualifying not for profit a total of eleven years. A co-worker submitted his application XX/XX/XXXX and has already received his forgiveness under the program. Somewhere in this process Mohela has dropped the ball. This is very frustrating and I risk losing access to this program.
Consumer complaint received 2023-12-12
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. (GA)

There are a number of derogatory accounts reporting on my file that the credit bureau repeatedly fail to comply and properly validate. The information reporting does not belong to me and a result of identity theft its violation of my consumer rights pursuant to the FCRA. I would like this information removed immediately.
Consumer complaint received 2023-12-11
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 filing another complaint against Experian regarding inaccurate information on my credit report. The issue at hand involves Experian reporting three accounts that do not belong to me, and the Address Identification Number ( AIN ) associated with these accounts, XXXX, is linked to an address that has never been associated with me. 

This erroneous information has a significant impact on my creditworthiness and financial standing. I have attempted to address this matter directly with Experian without resolution. Despite providing evidence that these accounts are not mine and that the associated address is unfamiliar, the inaccurate reporting persists. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to rectify the inaccuracies on my credit report. Your prompt attention to this issue is crucial in preserving the integrity of my credit history and ensuring fair and accurate reporting.
Consumer complaint received 2023-12-11
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: TOYOTA MOTOR CREDIT CORPORATION (HI)

I purchased a new XXXX toyota XXXX minivan From XXXX XXXX XXXX toyota in california in XXXX. Yup when I purchased the Van. I also purchased a 10 year 100000 mile. Extended warranty from Toyota financial services. in XX/XX/XXXX I moved to Hawaii with my Van. and XX/XX/XXXX the Van to the dealer because the sound system stopped working. The dealer told me the amplifier needed to be replaced and ordered parts, but the parts were on back order. every 2 months or so. I've checked with the dealer. Only to hear the same reply that the parts are still backordered. I have now contacted Toyota Brand Engagement to try and get a resolution. Toyota brand engagement tells me they only deal with cars in North America. I am now left with a car with no sound system and no apparent revolution for the repair. So I have requested Toyota refund. The cost of the warranty plus some additional amount to compensate me for. The trouble i've been through.
Consumer complaint received 2023-12-11
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. (TX)

This debt engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didnt follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA XXXX entitled to XXXX dollars per violation and clearly they violated my rights. 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( A ). the information was blocked in error or a block was requested
Consumer complaint received 2023-12-11
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. (NV)

I have been sending information and notifications to the bureaus for months to dispute some accounts that are in my credit and I think they are not accurate, and they have never answered to this. The have never responded to me, even by email. According to the law, they have to report what is happening with my case. I think this is unfair that I have to come to this for them to take me into account.
Consumer complaint received 2024-03-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This is not so much a complaint to Bank of America but a call to action to Bank of America and who ever might be needed to do so. 
Reported counterfeit checks sent to me by a XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank of America and The XXXX XXXX XXXX XXXX on XXXX XXXX, XXXXNever heard in response about the report from any of the XXXX. On month later on XX/XX/XXXXXXXX XXXX I notice and deposit in my bank titles counter credit. I did not make that deposit. Someone either went into the Bank of America or Mail in the check without my permission and made that deposit and a teller let the imposter or whoever else it may be do it know that this can not be done without my permission. So, I uploaded document labeled counter credit which states that someone went in and made the deposit. Also, I uploaded bank of check picture that is Bank of Americas copy that shows that the deposit was done by mail. Also, if that check is fraudulent why is it showing as cleared. There might some conspiracies inside the Bank of America XXXX. I have made a report to the XXXX Office of Attorney General, as well I do not know if that office cares or not. 
I have uploaded an extra copy of the check that states a value of {$30.00}
Consumer complaint received 2024-04-26
Product: Credit card — General-purpose credit card or charge card
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. (FL)

I have always paid on time, and I'm certain of this. What I'm unsure about is why this company is reporting me as late in certain months, which should not be happening. According to USC 1666b, any billing error should be corrected, otherwise, they will owe me {$1000.00} for each account reporting inaccurately.
Consumer complaint received 2023-12-11
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. (KY)

XXXX XXXX XXXX XXXX Account number - XXXX this account is not mine I disputed off my credit report and it came back as verified I asked for the original contract and they did not provide me with the original contract and I have proof that it is not correct
Consumer complaint received 2023-12-11
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. (NV)

After reviewing my credit report I must inform you that I am NOT responsible for these fraudulent accounts and inquiries. Someone stole my identity and opened up fraudulent accounts in my name.

15 U.S. Code and 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you violate this law because I am a victim of identity theft! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts and inquiries listed IMMEDIATELY!
Consumer complaint received 2023-07-03
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. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MA)

The XXXX XXXX account was deleted from my credit report 2 times and Experian keeps adding it to my credit report. I am so tired of these credit bureaus and the way that they do illegal things. I disputed this account and waited the whole 30 days as required by law and now they just added the same account to my credit report.
Consumer complaint received 2024-04-26
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. (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.

and 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 2024-02-21
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 have become a victim to identity theft. Under 18 U.S. Code 1028A - Aggravated identity theft and under 15 U.S. Code 6802 - obligations with respect to disclosures of personal information, the credit and/or Credit Reporting Agencies do not have permissible purpose with respect to 15 U.S.C 1681B are in violation of reporting my private and personal information with respect to the FCRA. Under 15 U.S.C 1681n civil lability for willful noncompliance {$1000.00} payment, that I am entitled to
Consumer complaint received 2024-05-21
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. (TN)

Finding an error indicating a late payment on my account is distressing, especially considering my history of consistently meeting payment deadlines. This discrepancy is causing unwarranted XXXX, and I urge you to rectify the situation promptly by updating my records accordingly.
Consumer complaint received 2024-04-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I've always made sure that payments on this account are made on time and not allowed to become overdue. I'm unsure why there are reports of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error should be corrected.
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX repeatedly ignored requests to remove the inaccurate remark for my account in Descriptor # 1 that states " Consumer disputes after resolution ''. I am not have not disputed anything after investigation and have requested that the remark be removed but no one responds. The credit bureaus removed it only for the mortgage company to repeatedly report it each month even though this is false information. It should be removed immediately.
Consumer complaint received 2024-04-26
Product: Credit card — General-purpose credit card or charge card
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. (WI)

I have consistently made on-time payments, and I am certain about this. However, I am unsure why this company is reporting me as late in certain months, which should not be the case. According to USC 1666b, any billing error should be corrected, or else they will owe me {$1000.00} for each account reporting inaccurately.
Consumer complaint received 2023-12-11
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. (FL)

XXXX - XXXX I have disputed this account on XX/XX/XXXX  and XX/XX/. Both XXXX and XXXX report no late payments. XXXX reports 5 late payments. XXXX has not even investigated. This needs to be updated to PAYS AS AGREED NEVER LATE. 

XXXX XXXX XXXX - XXXX I have disputed this account on XX/XX/XXXX  and XX/XX/. They have no even entered a notice of dispute. They have refused to investigate. The payment has never been late for this account. Please update account PAYS AS AGREED NEVER LATE. 

XXXX XXXX - XXXX I have disputed this account on XX/XX/XXXX  and XXXX/XXXX/XXXX. They have no investigated. They have not entered a notice of dispute. They have not validated account. This needs to be deleted immediately.
Consumer complaint received 2024-03-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

Monday XX/XX/XXXX, citizens has stated that they would be placing an overdraft fee on my account at XXXX or XXXX pm they claimed it would be removed if the {$45.00} was paid by XXXX. I paid the overdrawn amount at XXXX or XXXX XX/XX/XXXX. Tuesday morning XX/XX/XXXX XXXX comes and the fee is still there they claim because of a fee THEY placed of {$1.00} was added to the account by CITIZENS that I now have to cover {$35.00} despite them saying if the initial {$45.00} not the {$1.00} they added at XXXX was paid the fee would be removed.
Consumer complaint received 2023-12-11
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. (MI)

EXPERIAN : in XXXX of XXXXXXXX XXXX and XXXX of XXXXXXXX XXXX I did dispute fraudulent info regarding two collections agencies trying todo collection on the same debt " exact '' ACCOUNTS .... which both can not do? First... .of all .... 
and which I neither owe original debt too... also... .see below. Lastly, because " Debt was paid '' off long time ago. And neither one has presented proof I owe the debt... Experian refuses to investigate the collection agencies. Original Creditor was XXXX XXXX XXXX. " Paid them ''. See below : ( 1 ) XXXX XXXXXXXX XXXX XXXX , XXXX, sold to XXXX XXXX XXXX ..closed written off ( 2 ) XXXX XXXX XXXX XXXXriginal creditor XXXXXXXX XXXX XXXX, DEBT BUYER ..collection account What is Section 604 of the FCRA 15 USC 1681?

FCRA section 604 ( c ) defines when consumer reporting companies may furnish consumer reports in connection with credit and insurance transactions not initiated by the consumer. 15 U.S.C. 1681b ( c ).

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 usc 1681 602 ( a )
Consumer complaint received 2023-12-11
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. (NV)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

According to FCRA 605B, we are required to eliminate any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

XX/XX/2023 Sent a Qualified Written Request and requested specific documents from servicer. Servicer has failed or refused to provide the specifically requested documents and must cease collection activity and unauthorized credit reporting. 

XX/XX/2023 Sent a Demand for Validation of Debt and requested specific documents from the servicer 's Attorney. They failed or refused to provide the specifically requested documents to validate the debt and must cease collection activity and unauthorized credit reporting.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

late payment from my account as it does not faithfully depict my payment history. I have consistently made timely payments, and it is unjust to be marked with this inaccurate entry. I urge you to promptly update my account.
Consumer complaint received 2024-04-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I understand that according to FCRA 605B, it's vital to remove any inaccurate accounts from my credit report. Could you please review the documents? I've noticed that many of the listed accounts seem to be incorrect, and this is concerning to me.
Consumer complaint received 2022-11-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (WA)

The XXXX XXXX XXXXXXXX I sent a payment of almost {$1000.00} to Comenity Bank to pay off my credit card. When I check XXXX weeks later the payment still hadn't posted. I've been checking daily because it's such a large sum. It's still not posted though the funds have been removed from my account. The first time I called I was told they hadn't received my payment and I should make the payment by phone. I already sent a payment I'm not paying double. The last time I called, when I was speaking with the gentleman, he just hung up on me. Until Comenity Bank took over the XXXX credit cards there were no issues. Comenity Bank is a garbage institution I believe deliberately holds back payment so they can charge their customers a late fee.
Consumer complaint received 2023-11-15
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)

Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (UT)

In XX/XX/2024, I received form 1099-C from Discover indicating that my credit card debt has been forgiven or cancelled. 

However, all 3 credit bureaus are showing owed balance and looks like Discover did not report it