davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-26
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. (CA)

This is to notify the following agencies listed below are reporting that your company placed an unauthorized inquiry on my credit report on XXXX. 
XXXX XXXX  ( Consumer reporting ) XXXX XXXX XXXX XXXX XXXX  ( Credit monitoring agency ) XXXX : XXXX XXXX ( Credit monitoring agency ) XXXX XXXX XXXXXXXX
Consumer complaint received 2023-12-31
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA (NC)

When student loan payments were going back into effect, I went to StudenAid.gov to view my options. They estimated consolidating my loans and participating in the SAVE program would be the cheapest and most effective repayment plan for me. Therefore, I opted to consolidate my loans and go with the SAVE program. After this step was completed, all of my loans where transferred to Mohela. They are now indicating I am to pay approximately $ XXXX, which is not affordable. They are also expecting me to make payments for the next 30 years even though I have been making payments for 6 years already. This is putting my total payments at {$130000.00}, my current balance is only {$70000.00}! I understand how interest works, but this is practically doubling what I currently owe. This is extremely frustrating, especially considering I have already paid off almost half of my initial loan borrowing. I called Mohela in attempt to resolve this problem. To my calculation, even with interest, it would be a lower monthly payment and a lower overall repayment to switch to a standard 10 year repayment plan ( even if that means I sacrifice PSLF ). I was told since I consolidated my loans, I am no longer eligible for a standard 10 year repayment plan, and my only options were to participate in a 30 year repayment plan, which significantly increases my monthly and my total overall payments. According to information about the SAVE plan on StudentAid.gov, " The maximum repayment period is capped at 20 years for those with only XXXX loans and 25 years for those with any XXXX school loans. '' 30 years is beyond the maximum repayment period. They are requiring me to make payments beyond the maximum repayment period. I am now stuck with an unreasonable monthly ( and total ) repayment plan that is as lengthy as a mortgage. During the transitional time of having my loans bought out by Mohela, there was a significant period of time where previous loan servicers and StudentAid.gov reported I had a balance of {$0.00}. It was also reported to all major credit bureaus that my loans had been paid off and the accounts were closed. It wasn't until a significant period of time later that I was finally contacted by Mohela about repayment. I feel extremely mislead about the status of my student loans, especially since the credit reporting is a major change.
Consumer complaint received 2023-11-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

Hello Dear CFPB My name is XXXX XXXX, I went to Citi Bank Branch at XXXX XXXX XXXX XXXX Ca XXXX on XX/XX/2023 to deposit Cash {$5000.00}, teller took my money and asked my social security number and asked me to provide my identification card which i provided and after depositing she printed out receipt that funds has been deposited, After i left branch i came home and checked online my account and i couldn't find my funds of {$5000.00}, i was panicked because there has not been any record of deposit whatsoever .Long story short I went back to branch next day spoke with branch manager her name was XXXX  about my missing deposit, I was told that teller who assisted me yesterday made mistake and deposited my funds to another customer which is very unusual because teller asked my social security number couple times to confirm my account and asked to provide my ID card and my address. 

I am very concerned and want please citi bank to fix this unbelievable mistake and credit my account as soon as possible because {$5000.00} is a lot of money and i have a lot of bills to pay and can not wait to get my money to be credited.
Consumer complaint received 2023-12-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (CA)

Back in time more than say 16 months ago, Chase would refund every small business overdraft that was issued. Then all the sudden they forced a one year moratorium on my refunds and then once the moratorium was over they changed policy and will now only refund 3 overdrafts in a calendar year because in the chase employee 's words my account was deemed a " low value account. '' I asked what criteria was I being devalued and they never would provide an answer. 
I do not dispute that Chase has the ability to change its account procedures. I believe it should be able to. However shouldn't it have to tell me of this change BEFORE i incur several XXXX dollars in overdraft fees? This is ludicrious.
Consumer complaint received 2024-05-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (AZ)

XXXX XXXX I went to Wells Fargo bank to open a new checking account.I went inside the bank at XXXX was first customer and as I walked were the desks section was all the bank staff and employees were at the tellers section, everyone of them stare at me with judgement eyes from front entry to desk section for XXXX minutes, then a female bank employee came and ask what I what In a unwelcome voice.I ask to open a new bank checking account and we both sit a desk and I filled out a form to do so, when I complete the for the lady left for XXXX minutes, ( I had a feeling she went to get advise to not let me open a account ) .That what she said, I could not open a checking account, ( at that time she had not told me her name are a business card and on reason why I can not open a account ) .Well I knew if I ask It would be a lie, because I am a XXXX XXXX XXXX senior and XXXX born citizen XXXX have money.I looked her directly in her eyes and asked why, she said because of my address is a hotel, bank will not deliver mail, I pay monthly rent and can get mail and NOBODY are business has ever said that.I was judge as soon I walk in the door was treated unfair.Sure was no standard operating procedure and customer and consumer service none as well as CIVIL rights.this seems to be a business 's operations, no customer service so seniors, low income are prey on as well as vacationers and citizens driving through and I told Arizona governor and looks like the state is issue business permits that allows.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

In accordance with the Fair Credit Reporting Act XXXX  Account : Capital one acct # XXXX Capital One acct # XXXX Capital one acct # XXXX Has violated my rights. 15 usc 1681 section 602 A States I have a right to privacy Under 15 usc 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my permission. For as these accounts are damaging my credit worthiness
Consumer complaint received 2018-04-18
Product: Credit card or prepaid 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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I WAS CHARGED ON MY BANK OF AMERICA CARD FOR SOMETHING I DID NOT AUTHORIZE CARD # XXXX FROM A COMPANY CALLED XXXX  XXXX FOR {$4100.00} ON XX/XX/10 WHEN I SAW IT ON MY STATEMENT I CALLED THEM AND LET THEM KNOW I HAVE NO IDEA WHO THIS SAID COMPANY IS AND I NEVER AUTHORIZED THIS TRANSACTION AND NEVER DID BUSINESS WITH THIS COMPANY. THEY TOLD ME THEY FILED A FRAUD COMPLAINT AND I WOULD GET THE CREDIT ON MY NEW CARD. WELL THAT NEVER HAPPEN. IM SO UPSET THAT THEY DONT BACK THERE CLIENTS AGAINST FRAUD. THIS IS SENIOR CITIZEN ABUSE. ITS NOT RIGHT. PLEASE HELP ME GET MY MONEY BACK
Consumer complaint received 2018-04-18
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (NV)

On XX/XX/XXXX I had {$2500.00} stolen off of my American Express Serve card. It was wired into two individual accounts, {$2000.00} to one and {$500.00} into the other. I tried to log into my personal serve account to get the names of the individuals that it was wired to and oddly it WILL NOT let me back into my own account. I have been calling American Express with the number provided on the back of the card, multiple times and they have been telling me since XX/XX/XXXX that the investigation team had been working on the case. Recently, XX/XX/XXXX, I had called them yet again to check the status of the case and they told me that my case had been dealt with onXX/XX/XXXX. For over a month they had been telling me that my case was still being investigated when it had already been dealt with and they refused to tell me. They said that there is no possible way I will be able to get my money back that was stolen out of my account. I have called American Exress mutiple times, XXXX XXXX  which is who I filed my tax return through, who by the way said it is now American Expresses hands, also I called the IRS to see if there was possible any way they could help me and they said no. I desperately need this money back as it was for a deposit on a house.
Consumer complaint received 2022-10-18
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX 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 a account without my written instructions 15 U.S.C 1666B : 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 2023-12-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Early Warning Services, LLC (ME)

[ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX, ME, XXXX ] [ XX/XX/2023 ] Early Warning Services Consumer Services XXXX XXXX XXXX XXXX, AZ XXXX Re : Consumer # : XXXX Dear Consumer Services, I am writing in response to your letter dated XX/XX/2023, regarding my request received on the same date. Thank you for your prompt response, but I would like to seek further clarification on certain aspects of your reply. 

While I understand that Early Warning does not offer direct-to-consumer products for opting out and that information in your database is acquired from financial institutions as allowable by law, I am keen on gaining a deeper understanding of the specific legal provisions that govern this acquisition process. Therefore, I kindly request additional information on the following points : 1. **Legal Basis for Information Acquisition : ** - Provide detailed information on the specific legal provisions that allow Early Warning to acquire information from financial institutions, ensuring compliance with the Fair Credit Reporting Act ( FCRA ). Understanding the legal basis for this acquisition will help me appreciate the transparency and legitimacy of the process. 

2. **Exemption from Freeze Information Requirement : ** - I appreciate your mention of the FCRA exemption under Section 603 ( x ), which relieves Early Warning from the requirement of accepting or referring freeze information to other consumer reporting agencies. However, I seek further clarification on how this exemption aligns with the FCRA 's broader objectives of consumer protection and privacy. Please elaborate on the specific circumstances that warrant such an exemption. 

3. **Website Information and FAQs : ** - Your letter directs me to visit www.earlywarning.com/consumer for additional FAQs. I request that you provide specific information on the website regarding the acquisition of consumer information and the legal framework governing this process, as well as details on the exemption from freeze information requirements. Clear and accessible information on your website will contribute to a better-informed consumer base. 

I believe that providing this additional information will contribute to transparency and help me better understand Early Warning 's practices within the framework of consumer protection laws. 

Thank you for your attention to these matters. I look forward to a comprehensive response. 

Should you have any questions or need further clarification, please do not hesitate to contact me directly. 

Sincerely, [ XXXX XXXX ] [ XXXX ]
Consumer complaint received 2022-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - {$730.00} Date Opened - XX/XX/2020 In accordance with the Fair Credit Reporting Act my rights have been violated as a consumer Pursuant to USC 15 1681a ( 1 ) Congress makes it clear that the banking system is dependent on accurate and fair consumer file reporting. My file is in fact not accurate nor fair. Without consulting with me first, your company received false information from alleged creditors and debt collectors and furnished my consumer report before confirming if such information is valid. This is indeed unfair credit reporting. 
It is the purpose of the subchapter USC! 5 1681 ( a ) ( b ) that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit in which a manor that is fair and equitable to the consumer. This information is not relevant, fair, or accurate and was improperly used. There were no reasonable procedures meet I wasnt even contacted about this manner.
Consumer complaint received 2022-10-18
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. (MO)

How many dispute letters and CFPB Complaints do I have to submit to the Credit Bureaus in order for them to remove the disputed fraudulent accounts and information completely from my Credit File? I previously sent dispute letters addressed to the Credit Reporting Agencies requesting that the Credit Bureaus remove the disputed fraudulent information that are reporting inaccurate information on my Credit file. I have read that the Credit reporting Agencies are required to report accurate information and investigate and remove any accounts reporting erroneously. I am submitting this CFPB complaint to follow up the previous CFPB complaint I submitted 15 days ago complaining and requesting the same disputes. Also, according to the FCRA, 15USC 1681i, the Credit reporting Agencies are required to finish their investigation within 30 days and send me copies of the results of investigation. However, 5 months had passed and the Credit Bureaus have failed to send me copies of documents they are required to send me and claimed that the accounts are verified. This action by the Credit Bureaus is a clear violation of a consumer 's rights. I am requesting to the Credit Bureaus to please remove the following accounts from my Credit report in accordance with the Fair Credit Reporting act section 605b : 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 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have been left with no choice but to consider pursuing legal action against Transition. 
First and foremost, I want to emphasize that I have already spoken to the company associated with the reported account, ( XXXX XXXX ) and they have unequivocally confirmed that they have submitted the appropriate reporting to the credit bureaus, including TransUnion. It is deeply concerning that TransUnion has chosen to continue reporting this information incorrectly, despite the confirmation from the creditor. I initially approached Transition with the expectation that this matter could be rectified through your support. Unfortunately, the lack of appropriate action on your part has forced me to escalate this issue further. Again my credit acceptance account has been PAID, and CLOSED with a {$0.00} balance. AND ZERO LATE PAYMENTS. TransUnion is the only crediting company reporting this account incorrectly. transUnion stated that the information was verified Please attached how this information was verified because I know for a fact it was NOT verified by credit acceptance per the per company. This my very last time asking to conduct a thorough investigation into the circumstances surrounding this incident. It is imperative that you identify the root cause of this error and take the necessary steps to prevent such occurrences in the future. 
Please be advised that if this matter is not addressed satisfactorily within the specified timeframe, I will have no alternative but to seek legal redress to protect my rights. I believe in resolving conflicts in a fair and reasonable manner, and I sincerely hope it does not come to that. 

For your convenience, I have attached all relevant documentation supporting my claim, including proof of payment and closure of the account. I trust that this evidence will facilitate a swift resolution to the matter at hand.
Consumer complaint received 2020-07-31
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. BANKRUPTCY XXXX DISMISSED XXXX CHAPTER XXXX BANKRUPTCY XXXX XXXX CHAPTER XXXX BANKRUPTCY XXXX XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX XXXX XXXX {$200.00} XXXX   XXXX {$510.00} XXXX XXXX {$420.00} XXXX XXXX {$290.00}
Consumer complaint received 2022-10-17
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. (IL)

I contacted the credit bureau when i noticed i had several inquries that didnt belong to me XXXX called. They told me to notify in writting. i did so and all they said is they sad was send my id card and a bill with my address which was not true. my info is on the dark web i sent them the info. im contacting again because i just recieved inquiry on my credit and called and they did same thing. 

please help
Consumer complaint received 2023-07-20
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-09-05
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. (CA)

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX XXXXXXXX Balance : {$780.00} XXXX XXXX XXXX Balance : {$690.00} XXXXXXXX XXXX XXXXXXXX Balance : {$780.00} XXXX XXXX Balance : {$120.00} XXXX XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX
Consumer complaint received 2024-03-08
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. (NJ)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-11-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (PA)

I received a text from them that I owe a debt. I called them and they claim I owe a debt with XXXX. They provided an address for the bill but I have never lived at the address they provided me. I called XXXX and they verified with me that I do not have any debts with them or for that address.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX