davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (IL)

In early XX/XX/XXXX, my payment amount on XXXX was added for the XX/XX/XXXX loan payment re-start. This payment amount was incorrect -- it should have been the same payment I was making prior to the payment pause but instead was double what I had been paying. I had not recertified my income so there's no reason it should have changed. 

I took the advice of the Mohela website and waited to see if they would update my payment amount when they sent a billing statement and this never happened. I called to inquire on XX/XX/XXXX and after waiting XXXX hours for a call back, the Mohela representative had no idea why Mohela had my payment listed as twice the amount it should have been. The customer service representative suggested I recalculate my XXXX payment amount, which I did on the phone. She said it would take XXXX business days to process. It has now been XXXX business days and it has still not been processed. 

I received a billing statement on XX/XX/XXXX for the incorrect amount. The billing statement listed a payment due date of XX/XX/XXXX and was backdated to XX/XX/XXXX ( billing statements are required to be provided XXXX weeks ahead of the payment date -- Mohela did not do this and inaccurately backdated my billing statement ). 

Around XX/XX/XXXX my payment amount was updated on Mohela.com to a lower amount, but my billing statement was not updated to reflect this. I attempted to pay the amount due on XX/XX/XXXX so my payment would not be delinquent, but when I tried to pay it the payment not applying the amount due across all loans and instead just to some of the loans which would prevent the payment from applying to my PSLF count. 

On XX/XX/XXXX, I tried to call Mohela to discuss. I have been on hold for XXXX hours so far and not been able to talk to customer service. 

Additionally, I submitted an updated XXXX certification form at the beginning of XXXX. It has been a month and my payment counts have not been updated. 

This is absurd.
Consumer complaint received 2023-10-02
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. (FL)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX Claim # XXXX I deposited the {$1300.00} on XXXX 2022 XXXX military time. 

The is the receipt as a proof the item the I deposited {$1300.00} was deposited, were, not able to be returned. 

I deposited cash {$1300.00}, and, I clicked check by accident, also, the day the ATM machine was acting slow and the screen kept on freezing.
Consumer complaint received 2022-11-25
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. (AZ)

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. 

XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX : XXXX XXXX XXXX  / 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Hello my name is XXXX XXXX im a victim of identity theft..I was incarcerated the time this account was open I have all the supporting documents far as police report, verification of release from my probation and verification of release from police station ..I ask that these things be removed off my credit file they are causing pain and suffering I come home from jail and these things are effecting me ..I ask that these things be removed within a timely manner..I want to get this handled in a professional matter, this is a major lawsuit this is violating my rights and I will be forced to take legal actions please can we get this resolved without having to take the next step which is court I believe a family opened up this account because my documents came up missing while I was locked upthank you god bless
Consumer complaint received 2022-11-10
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Experian Information Solutions Inc. (NY)

accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX  account # 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
Consumer complaint received 2023-01-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (KY)

I sold my tv on XX/XX/22. Seller sent the payment through cash app. I seen the payment confirmed. So I handed the tv over. I get home and my money is no longer on my account. It says the payee refunded himself. A feature cash app has to people sending money while pending transaction. I never got my money and I am out a tv. Cash app told me that it's app is meant for friends and family. Cash app won't reimburse me the buyer blocked me within minutes.
Consumer complaint received 2023-10-02
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. (PA)

Hello, I have recently noticed fraudulent activity on my credit reports. What I have found, has led me to believe I may be a victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notification or alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regards to this incident. In addition, I have attached a PDF document reflecting all items that were found. Please remove the following accounts : 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 2023-08-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so I don't want no automatic computer response saying this is unauthorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am.
Consumer complaint received 2022-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX have 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.
Consumer complaint received 2023-10-02
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. (VA)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-02
Product: Credit card — Store credit 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: GOLDMAN SACHS BANK USA (CT)

Amount : {$310.00} Date of charge : XX/XX/23. They said that they would look into the matter, then send a reversal of the amount, only to add that amount to my card few days later, which affected my credit score.
Consumer complaint received 2022-12-08
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: EQUIFAX, INC. (CA)

I bought this truck in Florida in XXXX. I stopped making payments but the truck was never repossessed, i even left it at my old employers office for 2 years completely available to be picked up. I am still in possession of the truck but I do not use it. This is a XXXXXXXX XXXX it still shows that i owe {$25000.00}. i sent a dispute letter to Equifax asking them to remove it from my records per : California law, code of civil procedure 337. ( I moved back to California in XXXX. I don't care for the truck and don't find it to be worth what is owed. i got an email from Equifax saying the account was " updated '' email said nothing else.
Consumer complaint received 2023-01-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (TX)

Square Inc has decided to deactivate my business transaction account on XXXX XXXX with no explanation as to why. In doing this they decided that they would hold money that my clients have paid me for services until XXXX XXXX. The amount that they are holding is {$2000.00}. 

This is an illegal method for a financial institution to hold customers funds without my knowledge and approval because they could be using it to reinvest or do other illegal financial transactions. 

I am an event center located in XXXX, XXXX. My company used square to process invoices, receive deposits and balances when customers hosts their events. Square required me to provide all state and federal documents verifying that my company is legally setup. The same information is also verifiable on local and national government databases. I also had to provide documentation to verify my identity and residence. There is no policy on Square Inc 's website that says that my company is not a supported business. Nothing says that Square Inc would hold my customers funds for services I provide, for an extended period of time. Square Inc could have just refunded my customer their money and let them pay me through another method.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

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 2018-05-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc. (CA)

I used Remitly mobile Application to transfer money to XXXX, While processing this transaction on XX/XX/XXXX it was told that money will be received by the receiver on XX/XX/XXXX which dint not happen when I check it now it said money will be deposited on XX/XX/XXXX of XX/XX/XXXX, after calling the customer service they were not able to help me with a genuine reason in delay of the process, Meanwhile I also checked my bank account if the funds were debited or not. Good news money was still there in my account and I asked the representative to cancel my transaction as I can not wait until XX/XX/XXXX, as soon as I canceled my transaction the money was debited from my account? Which is cheating and as per Remitly they will process my refund in 7 business day. I need the money as I need to send it to XXXX ASAP. 
Please help me get my money back ASAP Regards, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I was out of the country in late XXXX and returned on XX/XX/2023. When I returned I saw that {$6600.00} had been charged fraudulently to my account while out of the country. I filed a dispute with Bank of America on XX/XX/2023. On XX/XX/2023 Bank of America denied the claim because I waited too long to file the dispute. I reopened the dispute on XX/XX/2023 after stating I was out of the country and filed the dispute the next business day after my return. 

Over the last 90 days I have received no correspondence from Bank of America, I call regularly requesting updates and I'm always given another timeframe that turns out to be incorrect. I was told I'd have a provisional credit within 10 days, that didn't occur. I was told the merchants had 45 calendar days to respond to requests and then I would receive at least partial credits, that hasn't happened. 

I have been told from the beginning that the bank has 90 days to reach a decision and once that timeframe elapses I will receive a full credit of {$6600.00} if they need more time. That time elapsed 7 hours ago and I don't have a credit as of writing this messeage. 

I contacted Bank of America for another update this morning and I was told they don't have a specific timeframe for resolving disputes which directly contradicts everything I've been told. I have companies owed money that have been very good to deal with but that patience is over and I need to pay approximately {$3200.00} in bills to our leasing agency and for utilities. We can't operate if they don't credit the account. 

Every time I call I get a different response and there are times that they can't even locate the claim. I've requested calls back from the investigator, escalated the claim, and asked for the 48 hour cure. None of that has happened. 

All I want is for Bank of America to do what they say they're going to do and credit my account.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: MOHELA (NY)

I have been trying to resolve this issue with the loan servicer for quite sometime. They have changed names so much it's hard to keep up with them. Direct loans were the loan servicers for these loans and i have asked them to show me a wet signature showing that I requested these loans and received them. There has been no compliance with validating the debt and it has been ruining my credit for over 10 years. I would like them to remove this from my credit report due to the fact that, there is nothing validating the debt, I have tried to contact them to resolve the problem but the credit bureaus continues to say that the debt belongs to me. I am ready to take this to court if necessary because the response from the loan servicer has always been validating the debt without showing proof. It has affected my life mentally and physically. Pain and suffering is just the tip of the ice burg with what its done to my life. If they do not get this off of my credit report, that is the next step I am taking, no more no less.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

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.

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 2023-10-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (NM)

I found a collection reported on my credit report in XX/XX/XXXX from TSI. Prior to this I would receive repeated phone calls but no voicemail. ( Bill collectors constantly call in regards to my father... so I don't answer my phone unless I can recognize the number or a voicemail is left ). I called TSI to ask why I was sent to collections when I have no personal/business relationship with them. They explained that they are a debt collection agency and XXXX sent me to them for a serious debt/collection of {$360.00}. I tried to explain that I do not have any accounts with this company and hadn't received one single form of communication by mail, email or phone call regarding any debt from this company prior to this notification on my credit report. After, repeating several times that I do not, nor have I ever had any open accounts in AZ since moving away in XXXX they answered it was fraud and would send me paperwork to complete. They said it would take 30-90 days. I have received no documents. And now I have a blemish on my credit report. TSI Transworld Systems Inc.
Consumer complaint received 2023-11-12
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: AMERICAN EXPRESS COMPANY (VT)

They charged me a annual fee without my knowledge or consent! I had already frozen my account 2 weeks prior to them adding the feed to my account. The reason I had Frozen it was because of their customer service and the unknown charges prior to AMEX even putting the charge on my card. 
Thank you for your help with this matter!
Consumer complaint received 2023-07-05
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: ENOVA INTERNATIONAL, INC. (NV)

15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose
Consumer complaint received 2023-06-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (CA)

I was XXXX  since XX/XX/XXXX till XX/XX/XXXX in XXXX XXXX I came out ever since I been out someone falsely use my identity, I been trying fix it having hard time I reported to my XXXX XXXX about it he said theres no way it could have been you since u was in XXXX XXXX so I reported to the FTC, I have send XXXX XXXX letters trying fix it but on the XX/XX/XXXX I send a letter with all my info and ftc report as well and I just received report XXXX items still on my report they said verify how cant that be if I was not even out in society? After this, need file a lawsuit against all involved