davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX 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 2023-12-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (WA)

MOHELA lists IDR recertification date is in XXXX and will not respond to inquiries. Dept of ED states If your recertification date falls between now and XX/XX/XXXX, it will be pushed out by XXXX  year. For example, if your account says your recertification date is XXXX XXXX, XXXX, that date will be pushed out to XXXX XXXX, XXXX. Yet, my date is still incorrect. 

If I fail to recertify by MOHELAs incorrect recertification date I will have my accrued interest of over XXXX capitalize onto my loans principal. I would like MOHELA to follow the guideless set by the dept of ED and push back IDR recertification dates like they are supposed to.
Consumer complaint received 2023-11-08
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. (NC)

Chapter 1 1.The Law of Privacy 15U.S.C ,1681, 602 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

( 2 ) ( a ) In General Subject to section ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) Law ( a ) Duty of Furnishers Of Information To Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

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 XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Account name : XXXX XXXXXXXX XXXX XXXX XXXX, Account name : XXXX 's XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : Department of EDXXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX # XXXX XXXX Account name : XXXXXXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name XXXX XXXX XXXX XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXXXXXX 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 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 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MD)

My name is XXXX XXXX. I pulled my credit report and notice some accounts reported inaccurately on my report. I already send multiple letters to the creditors and credit bureaus regarding the inaccurate reporting on my report for the past months and their investigation did not fix the problem on my report.
Consumer complaint received 2023-12-20
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. (KS)

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I made a fraud claim on my account and spoke to the multiple times and was told to fax in documentation on a claim before they received the written documents they had closed my claim causing another period of investigation. Not even a day later. Everytime I call in Im transfer atleast 4 times and no one knows my information which is provided each time but no provided to the next person.
Consumer complaint received 2023-12-25
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (MO)

I was given this American Express AMEX gift card for XXXX two days ago. I tried to use it at a store this morning and it didn't work. The pin pad gave me an error stating that the transaction couldn't be completed. The card is for {$100.00} and the purchase was only {$59.00}. I proceeded to call the number on the card and asked for the card to be activated. I was on the phone for over 10 minutes because the representative kept arguing with me. He kept telling me to run it as a credit card, but I informed him that all I did was SCAN the card and it didn't let me even get to the option to select debit or credit. I ended up just paying with my own money and told the person I wanted to receive confirmation that the card was activated, as he was trying to tell me to go back to the store and " make a small purchase ''. He did not accept my request for confirmation and I ended up hanging up because I was extremely angry with the lack of service I received. I am now trying to use the card online and XXXX and XXXX  online both don't accept the card, despite the purchase being lower than the balance.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXXXXXX XXXX Account XXXX has violated my rights. Or a 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 2024-03-27
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: Experian Information Solutions Inc. (CA)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2024-03-27
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. (CA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2023-12-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (TX)

Navy Federal please review this complaint XXXX The reply stated Navy Federal approved my attorney XXXX XXXX XXXX as my AIF and Im requesting the day of that approval. It is stated he was removed XX/XX/2022 when they received a POA revocation document. But for our records were requesting Navy Federal to provide the exact day they claim they approved XXXX XXXX XXXX XXXX as AIF. 
What was the day my attorney was approved as my AIF? Thank you so much for providing this information. This previous complaint only says he was approved but no date was given,
Consumer complaint received 2023-04-25
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Didn't receive terms that were advertised
Company: WEBSTER BANK, NATIONAL ASSOCIATION (DC)

Earlier today XX/XX/23 I tried opening a CD account with XXXX XXXX powered by Webster Bank XXXX NA '. I followed all their instructions and completed the application, later I got an email saying my application was rejected. I was concerned if not disappointed, and immediately called the bank and spoke to a couple of the staff members, including the lady who pickup the phone, XXXX, and the manager himself, XXXX XXXX XXXX. 

I told them I had provided all the personal information and whatever details they required, and that there's absolutely nothing wrong with my identity and or my credit record, and if there was anything wrong to please let me know, so I may correct it and complete the process. Because, as far I know, I do have an excellent credit record, not to mention my financial background, leave alone my identity. I believe they pretty much are consistent and also speak for themselves, should they or anyone goes checking to verify. 

The aforementioned financial institution should not be advertising something they can not provide, and they should not be gathering valuable information without taking care of their responsibilities. It is only fair that after I take the time to complete their online forms and provide them with my personal details that If I get rejected then I should know exactly why. I asked XXXX XXXX XXXX, the manager, to please write an email about the bank 's final decision and he refused, he refused to cooperate and or offer a viable solution. The bank 's games the bank 's own rules. He told me that if I was concerned I should not bother doing business online. 

It seems improper, if not unethical, for these banks to be gathering sensitive information about potential clients and being rejected for no apparent cause. If there is then let people know. There should be no mystery, everything should be clear and transparent to anyone who takes the time to apply and follow all their instructions, especially someone who, through very hard work diligence, has managed to build an outstanding credit record and has no identity issues. I am also very concerned about how this information can used or misused.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

Both on The First Week of XXXX & XXXX I send a notarized FTC Affidavit for the same purpose. 

Result : Unsuccessful-Willful Non-Compliance. 

On XX/XX/2024 I made multiple calls to Experian Customer Service. 
After the intake of the SS # and correct personal data, I was told I would be transferred to a disputes department to complete the processing of these updates. 

Result : Each Transfer was unsuccessful and the phone line cut off! - Willful Non-Compliance
Consumer complaint received 2023-12-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On the date of XX/XX/XXXX and XX/XX/XXXX I notified XXXX, XXXX, and Transunion about this account that does not belong to me, The companies agreed to delete the account after the investigation was concluded but the attached document will show that this account is still being reported on my consumer report. 
I explained I am a victim of identity theft, I made it clear to XXXX, XXXX and XXXX that this account is not mine. 
All XXXX bureaus have continued to report this XXXX XXXX account XXXX inaccurately on my consumer report which violates my consumer rights. 
This account should be immediately removed from all XXXX bureaus as the agreed resolution states. 
After the investigation conducted by XXXX, XXXX and XXXX they concluded that the account was to be deleted but the attached document of my newly updated credit report XX/XX/XXXX is still showing this inaccurate account on my consumer report. 
They claim to have conducted an investigation which has been proven to be false. This inaccurate information is inhibiting me from obtaining funding for a home purchase which is causing emotional distress and damages for me and my family. 
Yet again, you have failed to accurately report information on my consumer report after being notified repeatedly that this account is being inaccurately reported. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, and XXXX  should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$10000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IN)

RESISTANCE WITH GETTING INFO REMOVED/UPDATED XXXX credit report My Name : XXXX XXXX ( ONLY ) NOT XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( ONLY ) XXXX addresses listed Phone # : XXXX ( ONLY ) XXXX # XXXX LISTED XXXX SOL/DEBT BARRED DEBTS LISTED : XXXX XXXXXXXX XXXX XXXXXXXX.TO BE REMOVED XXXX *XXXX XXXX {$690.00}. TO BE REMOVED XXXX AND ANY INQ DATED XXXX... 


THANK YOU IN ADVANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

XX/XX/2023 I received a letter from the bank, stating they deny that an unauthorized ATM withdrawal occurred twice in the amount of XXXX it happened in XXXX and then it happened in XXXX the one in XXXX I was actually sitting in front of the banker. He was actually looking at my account and I was asking him a bunch of questions on why the first one was disputed when I left I looked at my account and saw another XXXX was taken out in XXXX XXXX Nevada at the same ATM but the banker fail to even say anything to me about it, and I went back in, and its denied again I reside in the state of Pennsylvania, I just had my spine fused together. I have not been in XXXX XXXX for XXXX years and then I had a different bank so it has nothing to do with that. Also, theres a bunch of other charges that XXXX found they asked me for my IMEI number and XXXX went down a list and said this is not you this is not you you did not send this you did not send that all from the IMEI they were able to figure it out, but green dot who deals with XXXX Pay denied it so now I have to go to citizens Bank alone, filing this complain about and dispute. Are these transactions also this is the second time that Ive had a big issue with this bank the last time I received a letter from the chief of operations and they credited my account the {$3000.00} but it took them XXXX months and me complaining to different agencies I am fed up they still have yet to even change my bank account number. All they do is keep giving me new debit cards this is not acceptable.
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

I sent a letter regarding inaccurate & unknown things on my credit report. To this day I have not received a response yet. I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Under 15 U.S Code 1602 ( p ) - unauthorized use of my information. Under 15 U.S Code 1692j - Furnishing certain deceptive forms i am not participating in the collection of this alleged debt. Please cease and desist! So because it had been well over that time period I demand that these accounts get removed & deleted immediately or I will file for litigation due to the laws which were broken. My information was also impacted by the Equifax data breach & may have got into the hands of the wrong person.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Byrider Franchising, LLC (GA)

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy to 15 USC 1681b 2. Company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4
Consumer complaint received 2023-12-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

My student loans are in forebearance until 2040, but I want to remove it so I can make payments towards public service loan forgiveness. I have made many requests over the past two months that they remove the forebearance, but they never do. I have missed two payments towards PSLF now. They told me over the phone that they will remove it but they never did. They ignore my electronic communications.
Consumer complaint received 2023-05-10
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Prince Parker & Associates (NC)

I was given wrong and misleading information. I was told that if i pay my debt in full that the collection will be completely deleted from my credit report. After i paid the debt it was updated to paid but not removed. It is still affecting my credit score negatively. I am trying to purchase a home and this negative status is holding me back. I was mislead and given false promises just so i can pay the full balance. This is completely unprofessional and unfair.
Consumer complaint received 2023-11-29
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. (MO)

Experian closed 2 complaints before XXXX today without having addressed the issue in the complaints which is Experian stole 17 months of on time never late payments to XXXX and refuse to give them back