davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-06
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc. (OR)

Hello, I am hoping you might be able to help me out. Back in XXXX of 2023 I got word from my coworker that he received a check of the amount he paid towards his loan for XXXX XXXX XXXX - XXXX, OR. He told me to look into it to see if I would be getting paid as well, because we both went to the same school at the same time. So I started researching and found the article that was from last XXXX stating that students that went to XXXX would be having their loans XXXX. So I contacted Aidvantage and they told me to contact the borrowers defense hotline. So I did that and they told me to contact the loan servicer. So I'm just getting tossed back and forth with information that is not helpful. 

{$21000.00} was how much I paid towards the loan.
Consumer complaint received 2023-04-24
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. (SC)

I appreciate you making the effort to delete some of the data on my credit report, but there are still inquiries that need to be removed. The 3 Credit Bureaus must verify these inquiries in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed inquiries will be deleted 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 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 2023-07-21
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. (WA)

I need to inform you I was the victim of identity theft. I'm disputing the accounts as they were opened without my knowledge, consent or authority. I'm including the FTC report from the site identitytheft.gov. 

Please dispute the accounts. They were opened without my knowledge, authority or consent. 

XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX
Consumer complaint received 2023-10-06
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)

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX  XXXX XX/XX/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 2023-10-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (CA)

On XX/XX/XXXXXXXX I received a letter from Aidvantage via email that my student loan was forgiven based on an IBR plan forgiveness plan ( letter is attached ). The forgiveness was backdated to XXXX and I was told I would be receiving a check for any amount paid since XX/XX/XXXX in the amount of {$7400.00}. I was told a payment had been processed as of XX/XX/XXXX, and that I would be receiving an overpayment refund check in the mail " within days. '' It is now XX/XX/XXXX and I have yet to receive the funds via check and have since called and gotten no updated information other than the check is in the mail, and there has not been any information offered about how to track or check the status. There have been inconsistent messages given from the few reps I have talked to about the status of my refund. The last rep I spoke to said the check would be coming from the US government ( " within days '' ). I also contacted Federal Student Aid and they were even less helpful, stating that the refund check would come through Aidvantage. I am frustrated that I can not find a correct answer to the question " when will I receive my check '' or a status update from either of these organizations. The attached spreadsheet notes that payments to me have been " reversed '' however I have not received any money.
Consumer complaint received 2023-10-06
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. (AZ)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  Account Number : XXXX Delete this account. 

2. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Delete this account. 

4. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 

6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX Account Number : XXXX Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXXXXXX  Delete this account. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXXXXXX  Delete this account.
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: Experian Information Solutions Inc. (GA)

This is my second request to correct my personal on my credit file. 
I have been a victim of identity theft and your company is leaving me open for someone to retrieve my information. 




I have already notified the Federal Trade Commission by completing an identity theft report and I have included a copy for your review, and you still have npt corrected my information. 

Creditors do not own my information. Creditors do not dictate what can be reported. 
The information on my consumer report is incorrect and I need it corrected. You are violating my rights as a federally protected consumer by not reporting accurate information. 

Report XXXX XXXX The only name should be showing is : XXXX XXXX XXXX XXXX. 
Address : XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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 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 2023-10-06
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. (NC)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXXXXXX XXXX XXXXXXXX Balance : {$6000.00} ; XXXX XXXXXXXX Balance : {$460.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5000.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2023-09-15
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY (IL)

I received a letter from XXXX XXXX American Express saying they received my request for a card but need more information. This made me call Amex and they said a card had been openend in my name on XX/XX/XXXX and will arrive at my house XX/XX/XXXX. It is an American Express blue business cash card ending in XXXX. They are cancelling the card and investigating the request.
Consumer complaint received 2023-10-06
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: LEXISNEXIS (CA)

This is the 2nd attempt to get this issue resolved and LexisNexis keeps stalling by saying that they can't verify my identity, which is false because I provide that proof within each letter sent or they respond to a problem that has nothing to do with my complaint. 

From the 1st Complaint- XX/XX/23 Sent LexisNexis a letter asking how they verified a bankruptcy on my consumer report. XX/XX/23 LexisNexis received the letter XX/XX/23 Received letter from LexisNexis stating that they researched with XXXX but did not verify with XXXX XX/XX/23 Contacted Pacer to inquire if they verified the information for LexisNexis XX/XX/23 Received email stating that XXXX  provides access but does not verify for LexisNexis XX/XX/23 Sent a 2nd letter to LexisNexis requesting removal of the bankruptcy on my consumer report as they did not receive verification from Pacer and therefore the information was not legally validated and requested an updated consumer report XX/XX/23 LexisNexis received the 2nd letter Never heard anything back from LexisNexis XX/XX/23 Sent LexisNexis a 3rd letter requesting removal of the bankruptcy on my consumer report as they did not receive verification from XXXX and therefore the information was not legally validated and requested an updated consumer report XX/XX/23 LexisNexis received the 3rd letter The response was that they could not verify my identity, which again is false as it's clearly shown in the letter attached. 

I then sent a follow-up letter to again verify my identity and request that they remove the item that they did not legally validate and their response has absolutely nothing to do with my request. They are using these stall tactics to avoid doing what they are legally required to act upon.
Consumer complaint received 2023-10-06
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America XXXX XXXX XXXX is managed by two people who have multiple job labels and run this whole company which revenues {$900000.00} there are two systems that bank of America have XXXX is the claims system and the other is the fraud system there are transactions on the fraud system that are from this XXXX  XXXX XXXX located in XXXX XXXX that has been rerouting my claims and my funds for a couple years. The claims department can't see these because they are recurring charges and they automatically gothru and are deducted from my account once there is money deposited in my account. I know that there is something going on because the people at the bank XXXX like they are helping me and I leave without any understanding for why this is happening to me and they try to make me feel like XXXX XXXX  owe me {$60000.00}
Consumer complaint received 2024-06-13
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I request to cancel my {$5000.00} secured credit card on XXXX XXXX. I confirmed when can my {$5000.00} released to my checking account. Their credit staff replied that it took 14 working days. I said that's ridiculous and unreasonable.BOA took my {$5000.00} when I applied secured credit card, but when I request to cancel card, it should be the same way, that's one day, instead of 14 working days without any interest. That's totally unfair, to bully consumers very seriously!! 

Then on XXXX XXXX, I called BOA to confirm again. They are even more arrogant and rude.They just repeat that it's process, but I emphasized that's not fair process and ask them to reflect my opinions. They just repeat their rule without respecting our consumer 's feeling. It's a insult, it's a financial bully.So I decide to raise administrative complaint and legal lawsuit step by step.
Consumer complaint received 2023-10-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Fidelity National Information Services, Inc. (FNIS) (TN)

XXXX  XXXX XXXX Is negatively affecting my banking need they reported false information in my file my XXXX  XXXX XXXX Checking account was opened fraudulently I didnt authorize the opening of this bank account please remove any negative items on my report that is in relation to XXXX  XXXX XXXX
Consumer complaint received 2023-04-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

At the end of XX/XX/XXXX I moved from XXXX PA to XXXX NY. I set up mail forwarding but because of this there is a delay in mail that is sent to my old address. On XX/XX/XXXX I received a letter that had gone to my former address in XXXX from Bank of XXXX about my account. I have never had an account with Bank of America. I went to the website and tried forgot my username/password and found that while the address was my former address and the social security number was mine, the phone number associated with the account was not mine. I did not even live at the address used when the account was opened. I called Bank of America and filed a claim against the account. Since then I have continued to receive bank statements for an account that is open in my name. I have called Bank of America numerous times to try to get updates and a timeline for when this account will be closed. They will not provide any updates or information. They have not provided any assistance in regard to identity theft protection. When I asked how it was possible for someone to open an account in my name without verification of identity they said " you could open an account right now over the phone if you wanted without any verification. '' This seems like a pretty bad system and I simply want this issue resolved so I don't have to spend additional hours of my life on hold with Bank of America for absolutely no reason.
Consumer complaint received 2023-10-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group (GA)

I am not liable for this debt with CKS PRIME INVESTMENT i do not have a contract with the collection agency trying to collect and reporting this debt to the consumer reporting agencies, they did not provide me with the original contract with my signature. are any terms and agreement. to continue to report this inaccurate information to the consumer reporting agencies is identity theft. it has been more then 30 days since i last reached out to this company and have had a response
Consumer complaint received 2023-04-18
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital One, is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Definitions : Consumers means an individual. 

Person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
Transactions in this matter includes payment history, because its my transaction with the line of credit that the person corporation extended to me the consumer. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2024-07-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (TX)

Dear Consumer Finance Protection Bureau, **Subject : Complaint Regarding Unauthorized Transactions and Inadequate Support from SoFi - Case # XXXX I am writing to file a formal complaint against XXXX regarding unauthorized transactions on my SoFi checking account and the inadequate support I received when attempting to resolve the issue. 

On XX/XX/year>, I noticed an abnormal transaction in my SoFi checking account ( # XXXX ). Despite having two-factor authentication enabled, an unauthorized individual accessed my account. At the time, my balance was {$530.00}. 

The unauthorized activity included a {$530.00} transaction to XXXX XXXX. Following this, the hacker initiated a {$5000.00} transfer from my principal XXXX  XXXX XXXX account to my SoFi account using the XXXX transfer function. Subsequently, two additional transactions of {$2000.00} each were made to XXXX XXXX and XXXX XXXX. 

All of these transactions occurred on XX/XX/year>. Strangely, the {$530.00} transaction did not appear as pending, while the others did. I attempted to cancel these transactions through the SoFi app and was only able to cancel the transaction to XXXX XXXX. The app did not provide the option to cancel any other transactions. 

At around XXXX XXXX  Central Time, I contacted SoFi customer service to report the situation and requested immediate assistance in canceling all transactions to mitigate my financial loss. Unfortunately, the representative could only open a dispute and assured me that the research department would get in touch. I reiterated my need to cancel the transactions, but the app failed to provide further details or allow cancellations. After a 44-minute call, I was given a dispute case number ( # XXXX ) and told to wait for further contact from the research department. 

Subsequently, I contacted XXXX  XXXX XXXX to place a stop on any money requests from SoFi. Thanks to their prompt action, I was able to prevent the {$5000.00} transfer. However, I am now faced with a negative balance of - {$1900.00} on my SoFi account due to the incompetence demonstrated in handling my issue. In addition to losing {$530.00}, I now owe {$2000.00} that I do not possess. 

I received a final decision from SoFi today, XX/XX/year>, stating that no error was found in their investigation, and no funds would be credited back to my account. This decision is unacceptable and fails to address the significant financial and emotional distress caused by this incident. 

I urgently request your assistance in thoroughly reviewing my case and seeking rectification of my account balance. I ask for your help in reversing all unauthorized transactions and reassessing SoFi 's security measures to prevent such incidents in the future. Additionally, I request copies of all documents used in determining the final outcome of their investigation. 

Please address this matter promptly to avoid any further escalation. I look forward to your assistance in resolving this issue. 

Sincerely, XXXX XXXX