davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-13
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA (NC)

In XX/XX/2023 I applied for IDR plan which I qualify for through students.gov. They used irs data retrieval tool to get tax information and submitted all necessary documentation to Mohela. My IDR application was denied due to needing additional income information that was already provided by students.gov.I submitted another application. The next day I contacted Mohela and verified income and submitted another application for IDR for the third time. Upon looking on Mohela.com both applications showed canceled status on XX/XX/23 XX/XX/23. I called again on XX/XX/23 due receiving a letter stating my obligation for payment by XX/XX/23 which was different from student aid that quoted XX/XX/23. I contacted Mohela again where I spoke with supervisor shy who resubmitted application and stated it was not processed correctly she quoted 1-2 days for processing and new IDR information. I asked for something in writing stating this she stated a letter would be mailed in 5-7 days. Upon calling today to verify whats going on with my account a new trainee XXXX stated that it would take 5-7 days to process. This is insured I have been waiting since XX/XX/23. This can affect my credit negatively and this entity has not clear answers.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Marlette Funding, LLC (CO)

The account appearing on my credit report 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 deleted. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX  ACCT NUMBER : XXXX DATE : XX/XX/2018
Consumer complaint received 2024-02-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I attempted to make a purchase that required a XXXX account. Before the XXXX account was completed, the machine I intended to purchase was sold to someone else, so the XXXX account was never completed. XXXX stated they had placed a hold on my credit card and that it still showed long past the normal hold time. XXXX documentation shows the attempted transaction was cancelled ( moreover, I was not eligible to send funds until the account was completed with identity verification as required by law ). Capital One kept applying the amount as a charge and then removing it, rather than showing it as a hold. At XXXX point, they charged interest, which was removed because interest is not charged on a hold. XXXX provided a tracking code for Capital One to trace XXXX 's system, which was provided to Capital One, but Capital One has not indicated they ever tried to utilize it. In a chat, Capital One 's final disposition record was removing the hold, but it still appears on my statements and Capital One is again charging interest on it. This issue was disputed with Capital One well within the required timeline but Capital One keeps closing then resurrecting it.
Consumer complaint received 2024-04-16
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. (PA)

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.

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 2024-02-28
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION (VA)

With all of the fees that banks charge customers these days, I was shocked by this latest one. Truist charges a service fee to customers/businesses for making too many deposits at one time. The treasurer of our homeowners association deposited all of the HOA annual dues checks that he received in XXXX at a Truist branch in XXXX, and Truist then charged us a ~ {$8.00} service fee for that. Are you kidding me?
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX Reported : XXXX XXXX XXXX XXXX  {$27000.00} Needs Attention This account is showing on XXXX. Incorrect payment history and balance etc. On Equifax there is no account like this on my report. I have reported this to them multiple times and they still refuse to remove it. Information is supposed to be accurate. The information is not accurate or complete because there is different information on all three bureaus and no information at all on some. this is completely against my rights.
Consumer complaint received 2023-12-14
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: WELLS FARGO & COMPANY (AZ)

When I sold my home located at XXXX XXXX XXXX XXXX XXXX, AZ XXXX I was charged {$6700.00} in forbearance fees associated with a covid forbearance that was granted and I was never informed or consented to these fees that were charged at final sale of my home.
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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Consumer complaint received 2024-04-16
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. (PA)

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.

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 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, 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. (FL)

THESE ARE THE FRAUDULENT HARD INQUIRIES ON MY REPORTS ; XXXX XXXX XXXX XXXX XXXX
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. (GA)

The charge off removed from all three credit agencies. It's against the law to report any agency updates on this charge, which must be removed. This is the last letter about this account. Legal action is next. You have fifteen days to terminate the account.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Equifax updated my credit report from having a 30-day late XX/XX/2018 on the XXXX XXXX account then removed it 2 years ago for being inaccurate reporting. They then put it back on my credit report as a 30 day late for XX/XX/2018. Now I see they changed it to a 60 day late for XX/XX/2018. This information is inaccurate and keeps changing which is fraudulent on the credit reporting agency and goes against the fair lending act. I demand proof of this 60 day late showing on my credit report for XXXX XXXX. I have never been late on any of my payments and my credit report shows this. I attached my credit report before this was added back on my credit report and you will see my payment history has never been late.
Consumer complaint received 2023-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX  LATE PAYMENT XX/XX/23 It was claimed that I paid my account 30 days late, but with the statements I am about to show you proves other wise, please help me get them to rectify it.
Consumer complaint received 2024-03-12
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (AZ)

On Saturday XX/XX/2024 Genesis Credit Management added an amount of {$5900.00} to my credit report. The company Genesis Credit Management never supplied purchase agreement nor ability to dispute. As of Tuesday, XX/XX/2024, the purchase agreement is being requested in its entirety.
Consumer complaint received 2024-03-12
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE) (CA)

Yes car hop sold me a XXXX. Dollar XXXX XXXX XXXX for a XXXX dollar loan threw XXXXXXXX XXXX which I've been paying on since XX/XX/XXXX they sold me a tore up car interior exterior all paint messed up had to tape rear view mirror on when I got the car they never cleaned inside of vehicle dog hair dirt when I got it they overpriced me for car they treated me like a piece of XXXX I deserve what I pay for they took advantage of me and ripped me now I'm stuck with this vehicle can't trade it in no dealership will take also dealership I went to even said car hop ripped XXXX
Consumer complaint received 2020-12-01
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: CMRE Financial Services, Inc. (CA)

I have disputed cmre financial service for reporting 21 times to XXXX  credit about a debt in regards to 2 hospital visits. They ruined my chances at getting any car loans. They are reporting excessively and the debts are not correct. I have had to dispute each one and they will not remove all of them just some. Please help me get them to remove them.
Consumer complaint received 2024-04-16
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. (ND)

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.

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 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Continental Finance Company, LLC (FL)

I am filing this complaint to report multiple violations of the Fair Credit Reporting Act ( FCRA ) by CONTINENTAL FINANCE.

Specifically, I allege that CONTINENTAL FINANCE has engaged in the following unlawful practices : Non-compliance with opt-out requirements ( 15 U.S.C. 6802 ) : This section mandates that financial institutions provide consumers with a clear and conspicuous explanation of their right to opt out of sharing nonpublic personal information with non-affiliated third parties. I have never received such notification from CONTINENTAL FINANCE on two separate accounts.

Failure to honor opt-out rights ( 12 CFR 1016.7 ) : This regulation grants consumers the right to opt out of information sharing at any time. I hereby exercise this right and formally opt out of any further disclosure of my nonpublic personal information to any non-affiliated third party for both of my accounts with CONTINENTAL FINANCE.

These violations have caused harm to my privacy and negatively impacted my consumer report. I request that the CFPB investigate this matter thoroughly and take appropriate action to hold CONTINENTAL FINANCE accountable for their violations.
Consumer complaint received 2024-03-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (IN)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.
Consumer complaint received 2023-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. I was unaware and did not give permission for my information to be shared. I ask that you please REMOVE the accounts listed below and any inquiry.
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: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

XXXX Portfolio Recovery Collections Account-Disputed discrepancy in reporting contradictory open and closed dates and that account was too old to be reported to credit bureaus. ( Between XX/XX/2024 and XX/XX/2024, your PORTFOLIO RECOVERY collections account was removed from your credit report.
Consumer complaint received 2024-03-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (NC)

I was scammed out if {$510.00} by a person pretending to be a book editor. When she demanded more money and got nasty, I knew I made a mistake. Despite immediately disputing this twice, providing copies of texts, they paid her. I got nothing from her and she doesnt have my manuscript for review. She demands another {$1700.00}. There is an online history of XXXX XXXX ripping people off. My credit card company went against me and XXXX did nothing. They continue to allow her scamming of victims.
Consumer complaint received 2024-02-26
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (NY)

I received multiple Vanilla prepaid visa cards for my XXXX Birthday from family and friends. They were all Vanilla prepaid visa gift cards.Everyone of rhe prepaid visa cards has been a problem using and today after attempting to use at a XXXX gas station and the card subsequently being declined after putting {$2.00} of gas in the tank I noticed there were ~ {$59.00} of fraudulent charges on the card and a balance of XXXX. 
I called Vanilla customer service which is essentially useless but after getting a case number of # XXXX to refund the full fraudulent charges was told it would take up to 45 to 90 days to process. Unacceptable! 
Vanilla gift prepaid visa cards need to be prohibited from doing business. Its organized and serial fraud. Their customer service is intentionally deceptive and fraudulent. Visa brands the prepaid cards and takes zero responsibility for the fraud! 
I need assistance please.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (LA)

I received a letter from Mohela on XXXX XXXX stating that my loans had been forgiven in full effective XXXX. My Mohela account show a XXXX balance and I called to verify that the loans were indeed forgiven and was told that they were. I have been checking my XXXX Credit report frequently since that time and the loans are still listed as open and with the full balance. I messaged Mohela and requested that the update the credit bureau information. They messaged me back a copy of the forgiveness letter but there was no comment about updating the credit bureaus. I then filed a dispute with the credit bureau but have not been notified of any action or resolution. I want to see the forgiven loan closed and paid in full on my credit reports. The last update Mohela did was in XXXX of XXXX
Consumer complaint received 2024-04-16
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. (MI)

Transunion was the only company I contacted as the report was from them that included the fraudulent inquiry. They said they would reach out and let the company know. Also the customer service person advised me to call the FTC and the FTC site said to call cfpb.
Consumer complaint received 2023-12-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

XXXX # XXXX Bank Of America Back in XXXX, this year 2023, I made a deposit on my account. of almost {$4100.00}, of which {$3800.00} and some change was XXXX checks on my brother 's name. Bank of America closed my account and returned the existing balance except the amount of the checks on my brother 's name. I am being trying to get in contact with the department that it does the investigation since they Bank of America treating the deposit as a fraud. Since I made many calls to see were its the money, even I ask to return the money to the company who's issue the checks and nothing it's been done. I need your help to get my money brother 's money back. We work hard to get the money and survive. Bank of America has not right to keep my money. It's been 4 months and so far, no money, no answer, no nothing. 
thank you for your help on this matter. 
XXXX XXXX