davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX was advised in XXXX of 2022 that I am a current customer in good standing with XXXX. I am a XXXX XXXX XXXX XXXX. I advised XXXX the XXXX dollars was wrong and to verify. They did not. They reported it to XXXX, Experian, and XXXX. I spoke to XXXX and VERIFIED multiple times with XXXX I do not owe them any money per XXXX. They received payment for the security system, which does not work. 

After notifying XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They fraudulently placed the account as a collection on all three credit Reporting agencies. 

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : 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 an 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 or 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 2023-09-15
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

XXXX XXXX XXXX  to close the account but since Im a loyal Customer of capital one for more than 10 years.. I assume they would just send me a new card. They didnt though : - (
Consumer complaint received 2023-09-14
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: GOLDMAN SACHS BANK USA (NJ)

I have received a copy on my consumer reports, and I notice this company have still furnished to the consumer reporting agencies transactions that are excluded by law as per the FCRA 15 USC 1681a 2Ai.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; A consumers transactions are excluded from the consumer reports. FICO and or any other Risk score or algorithm that is used to calculate a consumers credit score is not a factor where the consumer report is concerned!

Pursuant to the FCRA found in Section 607 ( a ) a data furnisher must provide accurate information to CRA 's. The account with this company has been charged-off, which is a cancellation of debt, which is now income, and according to the IRS, income is excluded from the consumer report. This company is in violation of the law. Please find attached document that further prove my claim.
Consumer complaint received 2023-09-14
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: EQUIFAX, INC. (TX)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

XXXX is reporting falsely and not correcting my personal information. My address XXXX XXXX XXXX XXXX mi. XXXX also my name XXXX XXXX and my dob XXXX phone XXXX my information was corrected and again an employee for XXXX XXXX is altered my information and is collecting money on my name works for the credit freeze department. Everything XXXX is reporting is false. I have disputed and fixedy information but all this activity on my account to date is falsely being used. I have debt consolidation done on me by employee that takes my calls. Please reach out to the beauru and help me correct also reporting to XXXX and XXXX. XXXX. 
Please remove all activity on the XXXX and XXXX account all items need to take of id theft and fixed it but still the beaurus failed to correct. XXXX XXXX
Consumer complaint received 2023-09-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (MN)

I had transferred {$1400.00} on XX/XX/2023 to Ally bank through XXXX Bank in search of better interest rates as I firmly believe banks tend to lie about their true interest rate or change it last second, I was happy with Ally until I noticed XXXX XXXXXXXX had offered 4.30 % APY noticing that and recognizing them as a big bank I was questionable and only started with {$500.00} on XX/XX/2023 realizing their interest rate was legitimate I decided to move funds from Ally bank to XXXX XXXX through XXXX as it is a faster method of transfer. I tried and it wasn't working, finally on the third or fourth try I had received a notification saying I'd met the daily limit, something I would've adhered to if I received the first time. Later I had received notice on XX/XX/2023 that they had locked my account, confused I called and asked them to unlock my account. I had done the whole verification process and they claimed it was under review for two days. So I waited the two days XX/XX/2023 I called them in the morning asking to please unlock my account they said that an investigator is looking into it right now and I should receive a call. I never did. I called back in the afternoon and received the same answer that it was under review by an investigator. I think it's ridiculous that I can't just verify my identity and unlock it right now, especially since I told them it was the account holder who was trying to transfer money. I've been told to wait tomorrow XX/XX/2023 to call in the afternoon but I don't have high hopes, I was just trying to transfer money. From a supposedly " Good '' bank now it's turned into a nightmare to get back my almost {$1500.00}.
Consumer complaint received 2022-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have created accounts with the 3 major credit reporting agencies have been trying to update my address information and upload documents and their sites are always down or dont accept the uploads
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is a follow up complaint to an initial complaint. 

On or about XX/XX/XXXX DNF associates placed a trade line on my Transunion credit report. 

After disputing through several agencies the company responded that the line item was due to a XXXX XXXX credit card - allegedly taken out XX/XX/XXXX, with no payments made, closed XX/XX/XXXX. The debt was sold to XXXX associates XX/XX/XXXX. 

The FCRA regulations are clear that the date listed on the credit report should be the date of delinquency. The account is listed as opened in XX/XX/XXXX. In the response from my other complaint the company clearly indicates the account was opened XX/XX/XXXX, and with no payments made the date of delinquency would be 30 days after XX/XX/XXXX. 

DNF has changed the date on the account to park the debt. The date on the account should be changed to reflect their own records of XX/XX/XXXX as the open date and the delinquency date of XX/XX/XXXX. 

Debt parking is illegal. Fraudulently and knowingly reporting incorrect information to the credit bureaus is illegal. DNF should be investigated for debt parking.
Consumer complaint received 2018-03-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (TX)

My car ( XXXX XXXX XXXX XXXX ) damaged during hurricane Harvey. My car insurance is with XXXX. XXXX appraised my vehicle at {$16000.00} at the time. I received the car loan from ALLY Financial. They paid Ally Financial {$16000.00} on XX/XX/XXXX. On XX/XX/XXXX my gap insurance called ALLY Financial on the remaining balance which was {$3500.00}. My Gap insurance paid ALLY Financial {$3500.00}. XXXX on XX/XX/XXXX. In XX/XX/XXXX I received a bill from ALLY Financial of {$1300.00}. I called at XXXX and talked to customer service and ask why do I have a balance. Ally Financial informed me that they were charging me between XX/XX/XXXX and XX/XX/XXXX because my gap insurance took about three months to pay the remaining. I informed them it was paid in full regardless of how long it took my gap insurance to pay them. Maybe they should charge me late fees but they were requesting three months of full payments. I was paying about {$420.00} a month before Harvey. They told me that is how loans are and they gave me no help and keep hanging the phone on me when I tried to discuss this situation. I need help because it is unfair and that is why I'm reporting this because I do not want this on my credit report and other customers should not go through this ordeal.
Consumer complaint received 2023-04-30
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. (GA)

I checked my report to buy a car and I seen frivolous amounts of inquiries on my report that I did not authorize nor recognize here is a list from Transunion XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-09
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: EQUIFAX, INC. (NC)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-14
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Paying off the loan
Company: Caneel Capital, LLC (MD)

This loan was originated as a line of credit from XXXX XXXX XXXX  of {$49000.00} which a total of {$9800.00} was drawn for use. The XXXX XXXX XXXX  closed our line of credit in XXXX and transferred our loan to XXXX. We paid on this loan until XXXX of XXXX. Our mortgage was with XXXX XXXX XXXX  and was modified with over {$50000.00} in loans written off and forgiven. This was a mix of all mortgage debts XXXX XXXX, XXXX, XXXX XXXX  We noticed that our home has a deed of trust when trying to inquire about selling our property. 
This deed of trust was a company named XXXXrinity Financial Services which bought, transferred, or received mortgage notes. Trinity sent letters demanding payments and offering debt mitigation. After some time Trinity has now threatened foreclosure or lump sum payments of debt. How can this happen? We are in our seventies and live off social security and a small annuity. Is there any help available?
Consumer complaint received 2018-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I request that XXXX XXXX Account No : XXXX be put back on my credit report. In XX/XX/XXXX it was deleted. However Ive been paying on it got 8 years and recently finished in XX/XX/XXXX The agreement between me and XXXX was once it was paid off it would be reported on my credit report as account in good standing paid as agreed and paid in full. 


XXXX reported normally. 
I've called Transunion a total of 30 ti
mes asking for the status of the updates they informed me I can fax a dispute to put everything back on my credit report which was faxed in the month of XX/XX/XXXX Transunion informed me that I can not dispute to add something to my credit report only a creditor can add something to my credit report. 

Mean while XXXX XXXX has been trying to report it over 7 times on my credit report Providing me with AUD # XXXX every time.. 

At the end of XX/XX/XXXX XXXX received a email from Transunion Hello XXXX, The account ending in XXXX was deleted in XX/XX/XXXX and is not able to be reinstated.

If you have any further questions, please contact us at XXXX. 

Thank you, XXXX XXXX Customer Service Representative TransUnion XXXX XXXX XXXX XXXX XXXX Pa XXXX Tel : XXXX Fax : XXXX XXXX This is completely unfair I've been put in a run around for a months! Just add the account please. 

I was told by Transunion I can not add the only person that can report on my credit report is a creditor. So the creditor tried to add over 7 times .. Then they tell the creditor, XXXX they can not add it. 

This creditor is a legitimate reporter. The account is legit that belonged to me a account I just paid it off RECENTLY XX/XX/XXXX not XX/XX/XXXX. I paid this account EVERY SINGLE MONTH ON TIME, and they should be allowed to report it especially since no one is disputing it and it belongs to me.
Consumer complaint received 2023-08-09
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: Experian Information Solutions Inc. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-14
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America has a systemic problems when it comes to : 1 ) Determining if a charge is legitimate or not 2 ) Reporting suspected fraudulent charges. 

BofA has the resource to work with vendors to present the familiar vendor that the customer engage with rather than the upstream or downstream entity that recieves the funds. Likewise, when a charge is challenged, the customer should receive a detail of what was provided rather than the " we have determined this is a valid charge '' that BofA has sent me in the past. 

The cost to reporting fraud is issuance of a new card and time and tribulation it entails. It also is almost impossible to do. 

I tried to report it to BoA today XX/XX/23 and wasted 20 minutes listening to BOA phone prompts only to be DISCONNECTED. Among the inane messages I had to listen to before being switched to the fraud line : Your card balance is. 
Your available credit is... 
Did you know you can transfer your other balances.. No, I do NOT want to pay an additional 4 % to transfer a balance. 
We are experiencing higher than normal call volume No, you are NOT. That is the normal volume because I get the same message every time. 
All associates are helping other customers Your vendor name may not be the same as the business charging you. Check the date for what you might have purchased. As a retired CPA I track EVERYTHING but most don't have my experience nor time to figure this out. 

I suspect my charge of {$22.00} to XXXX XXXX was fraudulent because a web search revealed many others with the same issues. Most will not pursue this but if 10,000 do not pursue it, Bank of America has just made over {$8800.00} in fees on fraudulent charges that customers don't have the time to deal with.
Consumer complaint received 2023-09-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/23 someone gained access to my debit card and used it at two XXXX XXXX, XXXX, XXXX, and an online company in the amt of {$2000.00}. I also found out that somehow they had my pin number as well, which is very concerning because I've never shared my card or my pin with anyone. The last time I used the card before this happened was at a WF atm. I received an email early XX/XX/23 telling my account was at a XXXX balance and I know something was wrong because I had my rent money in my acct. I called Wells Fargo Fraud Dept and reported it and I was advised that it would take 10 days to investigate. On the 10th day I called and was informed that my claim was denied because the chip was used. At that point I decided to do my own investigation since WF didn't and go to the different merchants to get copies of receipts. The XXXX receipts show the persons name that used my card to get them a new membership. It also shows this person name, address, and phone number. I also received the XXXX receipt that shows a different name and phone number then the person that used it at XXXX. I filed a police report # XXXX and I provided all receipts to WF and they gave me a provisional credit while they would a do a second investigation. I received a letter today that explained the claim was denied a second time because the charges are mine or I let someone use my card, but I had my card in my possession the whole time. I never let anyone use my card or give out my pin. In the letter they advised that they would be deducted the {$2000.00} out of my account. I've been a loyal customer to WF over 30 years and they are taking my money for some charges that I NEVER authorized. I will be closing my account and seeking legal advice to see what options I have.
Consumer complaint received 2023-06-09
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: JPMORGAN CHASE & CO. (IL)

In accordance with the Fair Credit Reporting Act, JPMCB AUTO XXXX Account Balance : {$59000.00} has violated my rights under 15 USC1681 Section 602 states I have the right to privacy. Under 15 USC 1681 Section 604ASection 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2018-05-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LTD Financial Services, L.P. (TX)

LTD Financial Services is trying to collect a debt for {$520.00} for XXXX XXXX XXXX complex. The company kept my {$400.00} deposit when I moved out and now they are sending me a bill for this amount. I cleaned the apartment, and carpet is due to normal wear and tear after 2 or 3 years which should be replaced anyway so why am I being charged for damaged carpet? This debt was opened on XX/XX/2017 and no one reached out or contacted me about any misdoing when I left.
Consumer complaint received 2023-09-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (GA)

I've been enrolled in the Public Service Loan Forgiveness program for years, approved initially when XXXX serviced my loans and recently MOHELA. In XX/XX/XXXX, Mohela sent me documentation stating that I had seven payments left to get PSLF, including my job history until XXXX. I submitted paystubs and my XXXX XXXX to confirm that I still have the same employer. I have plenty of documentation indicating my enrollment in the PSLF program for the required ten years of payments under the limit waiver. On XX/XX/XXXX, I received an email from studentaid.gov saying that my current nonprofit job of seven years is not eligible for the PSLF. The email had a link that stated what next steps I could take, but the link sent me to a blank page on the Federal Student Aid website. 

Then, on XX/XX/XXXX, MOHELA submitted documentation stating that I was still enrolled in the PSLF but now claimed that I still had XXXX payments left until I got PSLF. I want to ensure I get my student loan debt discharged through PSLF ( i.e., that the federal government honors my time in the PSLF and its past approval of my employer ). I was encouraged years ago by a XXXX representative to sign up for PSLF. For several years, I relied on information from XXXX that indicated my payments through my nonprofit employer qualified under PSLF. XXXX and MOHELA have kept a record of my time in the PSLF. On the cusp of getting my loan discharged for ten years of PSLF participation, studentaid.gov now tells me I am not eligible, and Mohela changed the number of payments left until PLSF. I am frustrated and agitated. 

As a military veteran who served this nation, all this feels like a slap in the face. My loan servicer provider and the Dept. of Education aren't communicating or on the same page. I'm close to PLSF, and now the rug is being pulled from under me when it seems like I will get loan forgiveness. It's unacceptable since I am dealing with financial uncertainty and emotional distress due to contradictory messages from MOHELA and studentaid.gov. I am in the process of seeking legal counsel from the XXXX XXXX XXXX XXXX XXXX XXXX at this time. But I also want to file another CFPB complaint against my loan servicer.
Consumer complaint received 2023-09-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (TN)

Incorrect debt collection account opened. The account was paid to XXXX and should not have been sent to a collection agency. Amount was paid to XXXX early XXXX during covid time and should not have been reported XX/XX/XXXX. I contacted the company to receive this confirmation.