davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-16
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. (FL)

XXXX has committed fraud by reporting inaccurate information on my report since XXXX. I have repeatedly reported them. I do not owe {$140.00}. I am supposed to receive a refund of {$1500.00} once the amount was paid. 
On XX/XX/XXXX - A check was issued by XXXX for {$120.00}. Yet they continue reporting to the credit bureaus!
Consumer complaint received 2023-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

I have written letters via certified mail to notify XXXX that they are reporting inaccurate information and information that does not belong to me. I have also sent a notarized bill, state identification card, and letter for XXXX to update my address and personal information. My XXXX file should only show XXXX address. Information that is inaccurate or fraud should be deleted immediately from companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

A company by the name of XXXX XXXX has allowed someone to use my personal information to open a auto loan close to the amount of {$49000.00}. I didnt give anyone permission to use my personal information. This is fraudulent. I was never contacted by XXXX XXXX before opening a loan in my name and I have a credit alert on my credit reports to be contacted before opening anything in my name.
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MS)

There is a discrepancy of a late payment for my XXXX account. For my XXXX and XXXX account, it is stating that I was 30 days late only in XXXX. However, for Equifax, it is stating that I was late 30 days in XXXX only. Also, there is a discrepancy in the balance of my loan amount. For XXXX and Equifax, it is showing a balance of {$19000.00}, but for XXXX the balance {$19000.00}.
Consumer complaint received 2023-05-11
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I found erroneous information on my Equifax credit file, so I notified them of this. I have provided them with all the documents and information they need to fix the problem and there has been no response in 50 days. They violated the FCRA my federally protected consumer rights by failing to respond in 30 days and by failing to investigate. It is causing me a great deal of stress because they have not done anything to resolve the issue
Consumer complaint received 2024-03-14
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: NAVY FEDERAL CREDIT UNION (FL)

ive been a victim of idenity theft i check my credit in janaury and notice a navy federal credit union credit card open under my name that i didnt consent to are had any knowledge of this account. someone open and this navy fed credit card under my name using my social security number my driver license and my address through united states postal service mail forwarding and also used spoof my cell phone number and open a bank account with navy federal
Consumer complaint received 2021-03-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY (TX)

I made a XXXX transfer in the amount of {$400.00} on the Wells Fargo XXXX app, then the Wells Fargo app duplicated that and made two separate transfers of said amount. The transactions had identical confirmation numbers. When I filed a claim on XX/XX/2021 I was told to wait 10 business days but before the 10th business day the confirmation number of one of the transactions was changed making it look like it was not a duplicate error from their end. I followed up with them twice now and even escalated it to a 'higher level ' as the Wells Fargo representatives called it. They still refuse to refund me for their mistake.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION (VA)

I am requesting assistance to resolve an issue I am having with the Navy Federal Credit Union. Navy Federal Credit Union is violating my consumer rights by reporting 2 negative accounts to my consumer report that was a result of Identity theft.I discovered fraudulent accounts that I did not initiate or authorize. This indicates that my personal information has been compromised and used without my consent. I have submitted multiple disputes to get this resolved with no results. Attempts to get this resolved include multiple disputes to the Navy Federal, all major credit reporting agencies and Consumer Financial bureau. I had also filed a FTC identity theft report along with a police report. 

Account Number : XXXX Account Number : XXXX
Consumer complaint received 2021-03-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (NJ)

I bought an electric appliance about two years ago at XXXX XXXXXXXX XXXX XXXX. I bought the item on credit because their was a promotion at the time of 24 months of no interest if paid in full before the promotion expired. I have since then have paid my bill on time and never had an issue. Late XXXX of XXXX..going into XX/XX/2021, I came down with XXXX XXXX along with my family. We were in quarantine and very ill and even needed medical attention. At the time, I did not realize that the promotion had expired in XXXX and the company added all the back up interest that had accumulated for two years. I called the company in XX/XX/2021 asking if they can please give me a courtesy and to waive the interest and Ill pay the balance I owed to cancel the debt. I was told that their was nothing they can do over the phone and that I had to submit a written statement to corporate. I wrote my statement and sent it thru fax and mail. I finally received a response via mail this month ( XX/XX/2021 ) explaining to me that my only option was to go thru a third party non profit company to see what were my payment options. I called yesterday XXXX XXXX and asked to speak to someone in corporate and I was told that wasnt an option because their is no other way of getting in contact with them other than via mail as I previously did with the written statement.
Consumer complaint received 2021-03-13
Product: Credit card or prepaid 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: CITIBANK, N.A. (NY)

I am requesting a refund of {$88.00} from the XXXX XXXX to be return to me due to Citibank computer error in the Probate Department that there was a balance of {$600.00} on my late husbands credit card so Citibank would not refund me the money. However, there is no balance because the Citibank Dispute Department has already resolved this balance. There were 2 disputes on my late husbands account ending in XXXX. The first dispute was resolved and a check of {$620.00} was issued on XX/XX/2021. However, the second dispute was also resolved on XX/XX/2021 with the attached letter from the Citibank Dispute Department on XX/XX/2021 for crediting me of {$600.00}. Recently, I just closed my husbands XXXX XXXX account and it refunded me of the {$86.00} on XX/XX/2021. I have been calling since XX/XX/2021 and found out that Citibank does not share information with different department, as of XX/XX/2021 Inconsistency and contradiction of records among Departments : PROBATE DEPARTMENT-XXXX SUPERVISOR ( XXXX ) XXXX denied of any refund and she claimed there was a balance of {$600.00} CUSTOMER SERVICE-XXXX XXXXthere was a balance of {$510.00} because the refund of the XXXX XXXX was received RECOVERY DEPARTMENT-XXXX ( XXXX ) XXXX-Confirmed the balance of {$510.00} was in the account, instead of the PROBATE DEPARTMENTs record And I contacted both the Dispute ( XXXX ) when I received the statement on XX/XX/2021, she informed me that the conditional credit of {$600.00} was refunded into my late husbands account on XX/XX/2021 and I received a confirmation letter as attached on XX/XX/2021. 



NOW,
Consumer complaint received 2024-03-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (FL)

I was trying to pay the rest of my Aidvantage student loan in full on XX/XX/XXXX with a payment of over {$10000.00}. The payment said it had been processed for several days and today it shows the payment was reversed with the date of XX/XX/XXXX. The money was never even taken from the bank account. I tried to call Aidvantage but it is impossible to get ahold of someone to talk to.
Consumer complaint received 2023-07-07
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: JPMORGAN CHASE & CO. (NY)

Chase automatically enrolled me in a service that is showing I have poor credit even though I have never been late on a payment. The service is run by XXXX, who whose score internally on their own report is considerably higher. Even using their own rubric, I do not have poor credit. I believe this is a pretense to charge higher interest rates.
Consumer complaint received 2023-08-16
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: MOHELA (PA)

I am writing to file a formal complaint against the Missouri Higher Education Loan Authority ( MOHELA ), alleging a violation of the Family Educational Rights and Privacy Act ( XXXX ), specifically under 20 U.S.C. 1232g ( B ).

I am concerned that MOHELA may have breached the privacy rights afforded to students and their families under XXXX by disclosing personally identifiable information without proper consent. As outlined in XXXX XXXX. XXXX ( B ), educational institutions and associated entities are required to obtain written consent before disclosing personally identifiable information from student education records. 

I believe that MOHELA 's actions may have included unauthorized disclosure of information, which potentially violates the privacy protections outlined in 20 U.S.C. 1232g ( B ). This matter is of great concern, as it pertains to the privacy and security of sensitive educational and personal information. 

I kindly request that the Consumer Financial Protection Bureau thoroughly investigate this alleged violation by MOHELA. If the investigation confirms that MOHELA has indeed violated the law, I urge the Bureau to take appropriate actions to ensure compliance and protect the rights of students and their families.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I do not owe this debt to Bank of America, it was a fraud check that was deposited due to a scam. They are reporting improper information on my XXXX report and I have tried over and over to resolve it I even tried a pay for deletion, I paid one but they did not delete off my report
Consumer complaint received 2022-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (MS)

My brother and I opened a XXXX Checking account at Ally Bank due to the death of my mother. Account opening was smooth. Large amounts were deposited into the account due to the closure of my mothers estate, 100K+, and then wires were sent out of the account to my brother and myself. Wires sent to the actual account owners of the account. Well, Ally decided they are going to lock the account, and requested all kinds of documentation that I have complied with. Each and every time I have called I have been told that it is with an investigator, yet I have no option to speak to the investigator. 5 days now I have been unable to access the funds in our trust account. We are attempting to close on a house and have large sums of money moving ( due to the unique situation of it being a trust account ). 

I am also XXXX XXXX military and Ally has not allowed me online access or the ability to close the account. I am sure these are definitive XXXX violations to lock an XXXX XXXX members money with no way of accessing it, and no way of transferring it out. My last conversation with them was that I can not access the funds until I speak to an investigator. No option to speak to the investigator.
Consumer complaint received 2018-04-25
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Receivables Management Partners, LLC (MI)

XXXX XXXX XXXX, XXXX XXXX CT, XXXX MI XXXX Phone : ( XXXX ) XXXX I was called on the phone by XXXX and they immediately asked me to verify personal information. I was unwilling to provide to a random phone call. I also identified that I was sure I knew why they were calling because of the collection notice I received. I told them I responded to the initial letter for a collection of {$1300.00} was not correct. 

On XX/XX/XXXX, I sent them via this website : file : XXXX : XXXX % XXXX % XXXX % XXXX % XXXX % XXXX - the following message : I received a phone call today asking me to verify my information over the phone. I am unwilling to do this. Regarding my account that they called about today - I wrote a letter of dispute and sent it to you on the XXXX of XXXX. I have 30 days to respond as listed in the letter I received on the XXXX of XXXX. I dispute the callers comment that I refused to reply. It is not appreciated and I am documenting this reply. 

Further on XX/XX/XXXX ( still within the 30 days and using the same website sent this message ) : I previously wrote you on XX/XX/XXXX to report that I disputed the collections that you contacted me about. You have since sent me nothing but the overall bill, that does not equal the amount you are stating you are collecting. I need to understand how you came up with the amount outstanding, as I have cancelled checks and account statements that do not show the amount you are seeking is correct. Please provide me an accounting of how you came up with the amount in collections. 

To date, I have never received anything from this company other than an " original '' hospital bill with the amount owed that didn't represent the claim. In the interim, I had continued to pay the hospital directly until this was resolved. 

Randomly, they we call me to harass me, even when I indicated to them that I would deal with them in writing. No communications have come to me since the initial request. 

Unfortunately, I don't remember the dates of two other phone calls, but both were harassing in nature. The first revolved around me telling them to acknowledge both the mailed letter I sent in dispute and the web based dispute letter ( referenced above ). They refused to do both. The second revolved around me telling them to provide a valid claim and a proper amount and that any monies paid had to go to them. I told them I had a payment agreement with the hospital and was paying down the amount owed monthly ( sometimes twice ).
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (KY)

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). If you do not verify these items, I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law. 
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 2022-11-01
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. (MI)

Sent in dispute letters to the Credit Reporting Agencies to have this account removed and nothing has changed since. I have not received any feed back on whether the Credit Reporting Agencies are working on the disputes or anything. This is very unacceptable.
Consumer complaint received 2024-04-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc. (MD)

XXXX XXXX XXXX took me to court in 2022 for a garnishment. They are not on my credit. Right now the original debtors are still on my credit report in collections! They took XXXX in garnishment. They also are trying to collect another XXXX. All of this is illegal! They do not have the original contracts. They are also trying to illegally collect my XXXX pay which by Maryland Debt Collection Act they are breaking the law. They must be stopped!
Consumer complaint received 2023-09-21
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: DISCOVER BANK (CA)

My credit report is showing late payments to DISCOVER BANK XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or DISCOVER BANKs customer service representative.
Consumer complaint received 2022-10-22
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. (MI)

XXXX XXXX and XXXX is being reported as late payments on my accounts. It is against the law for them to be reporting that under the USC1666B Timing of payments. I would like them removed immediately.
Consumer complaint received 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these items immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-05-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Westcreek Financial (PA)

Ordered product from another company that does business with this company. This company did the financing for the product ordered. Never received the product. Company that product was originally ordered from will not assist or reship product. The finance company continues to debit my checking account and will not stop nor refund the money that has already been debited from my checking account. Both companies keep referring back to each other with no resolve.
Consumer complaint received 2022-11-01
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. (MN)

Firstly the whole reporting needs to be updated as information is not accurate throughout the month. 

If Ive made payment, it should be immediately reported to credit bureaus so as record can stay consistent. 

XXXX XXXX HAS BEEN CLOSED, the information should show {$0.00} balance as those charges were residual interest which Im not responsible for- if reporting were done at time of payments my record would show this. 

XXXX XXXX is on Suspension- will be contacting to request removal of interest or will close account. 

I believe correct reporting same day would be improvement and to the advantage of clients. I suggest a mid month and an end month reporting cycle -would be more accurate information
Consumer complaint received 2023-08-16
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. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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