davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NC)

Venmo apparently suspended my account the same hour i opened it. I was also never sent an email informing me that my account was suspended i had only found out because i tried to transfer money to my bank i have literally one transaction ( THE ONLY TRANSACTION ) and it was from my neighbor i contacted venmo but they said that my situation should be handled by a " account specialist '' but i have NOT been contacted and my money is sitting here and i have bills to pay. Please XXXX XXXX XXXX XXXX XXXX look into this company.
Consumer complaint received 2023-02-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (NC)

I incurred many overdraft fees from debit and credit overdrafts when at the end of the day its my account and I have direct deposit set up so I shouldve never gotten any fees being that I end up paying whatever I owe back. If the money isnt there, why charge me more for something I already dont have. The systems dont accurately show the true balance all the time
Consumer complaint received 2024-03-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (FL)

There are three problems : 1. Mohela messed up my employment history which is impacting my qualification for three payment programs I'm supposed to be on ( the income driven replayment plan and PSLF plan I've been on for almost 6 years, and the SAVE plan which I just applied for in fall XXXX  ). I've submitted the necessary paperwork - the employment verification form - each year. However, a recent document they sent me shows several incorrect fragmentations in my work history. The most recent inaccuracy shows that I stopped working for a qualifed public agency around XX/XX/2023. This is incorrect as I still work for the state. It is also driving up my monthly payment from {$180.00} to over {$1200.00}! 

2. I signed up for auto student loan payments on Mohela 's website in the amount of {$180.00} per month several months ago because they state they will provide a 0.25 % discount. In the first week of XXXX they did the auto pay for {$1400.00}! It cleared out half of my account. Thankfully my credit union recalled the charges. However, I when I notified Mohela they just sent me a message saying to call them. I believe this was essentially a fraudulent charge on my account and it is extremely alarming to me. 

3. Which brings me to my third complaint - Mohela is impossible to get on the phone. Why not at least provide helpful assistance via messages on their website?
Consumer complaint received 2023-06-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX and XXXX XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX
Consumer complaint received 2024-03-30
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. (NY)

I am writing to bring to your attention an issue I have discovered upon reviewing my consumer reports. Upon careful examination, I noticed that there are two instances of late payments reported on an account with which I have consistently maintained a flawless payment history. Consumer reporting agencies play a crucial role in accurately reporting consumer information, and it is imperative that this information is conveyed with utmost precision. I have always upheld my financial responsibilities diligently and have never been late on. payments for the account with the indentifier [ XXXX XXXX XXXX Account Number : XXXX ]. I am formally requesting a thorough investigation into these reported late payments. I kindly ask that you provide concrete evidence, such as statements, indicating the alleged late payments. If sufficient proof can not be provided to substantiate these claims, I insist that these payments be promptly updated to reflect their accurate status as " paid on time. '' Maintaining an accurate credit report is essential for individuals to access fair financial opportunities, and it is my expectation that this matter will be resolved expeditiously and with the utmost attention to accuracy. Thank you for your prompt attention to this matter. I look forward to receiving your response and resolution of this discrepancy. Please keep me updated step by step.
Consumer complaint received 2023-06-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am very disturbed to find public records on my credit report without any apparent reason, and I can not tolerate this. I request you to eliminate these records and update my credit report accordingly.
Consumer complaint received 2022-11-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Fraudulent charges on my debit card totaling {$740.00}. Bank of America says they wont credit my account due to lack of evidence. The vendor never responded to BOA inquires. I do not recognize these charges. I want them to credit my account the {$740.00} but the refused! Claim # XXXX
Consumer complaint received 2022-11-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (IL)

On XX/XX/2022 i received an initial notice from CCS indicating I had an outstanding XXXX debt. In my response, I requested validation of this debt. Prior to receiving the requested validation, I received a text message from CCS demanding payment. First, I never consented to receiving SMS messages from this collection company. Second, CCS violated FDCPA by requesting payment during the validation period. I finally received validation of this debt on XX/XX/2022 ( notice dated XX/XX/2022 ). On XX/XX/2022 i received an alert stating the debt had been reported to my credit bureau reporting. On today, XX/XX/2022, I contacted CCS to ask why didn't I receive validation within 30 days of requesting and why was there a demand for payment sent via text message without my consent. The agent I spoke with, XXXX, refused to respond to my questions and wanted to transfer me to a supervisor. I advised the agent I was not at the point of wanting to speak with a supervisor but wanted him to address my concerns. This company has clearly violated section XXXX XXXX XXXX Validation of debts.
Consumer complaint received 2023-03-03
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. (NJ)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XXXX XXXX XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX FED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX XX/XX/2022 XXXX XXXX OF PA XX/XX/2022
Consumer complaint received 2022-11-21
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: Experian Information Solutions Inc. (PA)

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. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2022-11-14
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: Experian Information Solutions Inc. (VA)

In accordance with the Fair Credit Reporting act XXXX Account Name : 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 an account without my written instructions
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus nor XXXX have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items Im demanding to be deleted and or updated immediately.. 
XXXX XXXX Account # - XXXX Account # - XXXX XXXX and Equifax are reporting incorrect information on my business credit report. I do not owe XXXX any money and never did. I dont owe any late payments either I never received payment any service
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

There are old address and a variation of my name that I dont use. 
The old addresses are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY And a the variation of my name I never seen is XXXX XXXX XXXX My only address is XXXX XXXX XXXX XXXX NY XXXX My only name is XXXX XXXX
Consumer complaint received 2023-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (FL)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable.
Consumer complaint received 2022-11-26
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. (TX)

As of XXXX XXXX I started working with an individual to assist on my behalf of A few accounts that are errors on my credit report. It has been almost 10 months and still the same results. These are all errors XXXX XXXX XXXX {$550.00} Transunion, XXXX XXXX XXXX XXXX {$850.00} Transunion, XXXX, XXXX XXXX XXXX  XXXX {$470.00} XXXX
Consumer complaint received 2022-11-14
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. (FL)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (LA)

On XX/XX/year> I mailed off my dispute for a few accounts on my Equifax credit report. The tracking number is : XXXX and Equifax received my dispute on XX/XX/year>. I have yet to receive anything about the results for my dispute reinvestigation.
Consumer complaint received 2024-03-30
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: EQUIFAX, INC. (NC)

I would like to dispute the following items off my credit report : Equifax : EQUIFAX MORTGAGE SER XX/XX/XXXX EQUIFAX MORTGAGE SER XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : DEPT OF XXXX XXXX {$2300.00} XX/XX/XXXX DEPT OF XXXX XXXX {$2400.00} XX/XX/XXXX DEPT OF EDUCATIONXXXX XXXX {$870.00} XX/XX/XXXX DEPT OF EDUCATIONXXXX XXXX {$2800.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$4700.00} XX/XX/XXXX XXXX XXXX EQUIFAX XXXX XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-11-26
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. (IL)

In Accordance with The Fair Credit Reporting Act XXXX account XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 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 that I have the right to privacy.

15 U.S.C 1681 section 604 A-section2 also states that a consumer Reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-11-17
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (AZ)

Due to unforeseen circumstances, I was forced to pay my XX/XX/XXXX Care Credit bill late. I am currently under a 12 month no interest promotion with my Care Credit account. It was for a XXXX XXXX  that I had in XXXX of XXXX. My promotion ends in XXXX of XXXX. Care Credit charge me an interest fee on top of the late charge for a payment that was posted late. This charge is not only excessive but reveals an under tone of predatory lending. In fact this transaction is the very definition of predatory lending. ( Predatory lending is any lending practice that imposes unfair and abusive loan terms on borrowers, including high-interest rates, high fees, and terms that strip the borrower of equity ). 

When called to have the interest fee reversed I was told that the interest fee will stand as it listed in my terms and conditions. And I agreed to it in my application. When asked to have all that I agree to in my profile sent to me, I was told it would take 30 days for Terms and Conditions, and 45 days for my application to be US mailed to me. When asked if I may have these things emailed to me or pointed to where I can find on the website. The representative pretended to have a different conversation with me, then disconnected the call. Only showing the lack of transparency to its consumer. Another red flag of predatory lending practices. 

In conclusion it is my belief that this company is attempting to exploit the fact that I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These sort of practices are not only harmful XXXX XXXX XXXX consumers but also arent conducive to creating a healthy credit profile for XXXX XXXX XXXX. Programs like this are designed to keep XXXX XXXX XXXX in debt longer than needed by lumping excessive fees and interest charges.
Consumer complaint received 2023-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (LA)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2023-05-15
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ENCORE CAPITAL GROUP INC. (MS)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2024-03-29
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. (IL)

I am writing to follow up on my previous dispute regarding the inclusion of the charge off account my credit report. Despite my previous communications dated XX/XX/2024, I am disappointed to note that this matter remains unresolved, and I am concerned about potential violations of the Fair Credit Reporting Act ( FCRA ). 

Furthermore, it has come to my attention that the continued inclusion of this disputed account on my credit report may constitute violations of the FCRA. Under the FCRA, consumers have the right to accurate and fair credit reporting, including the timely removal of inaccurate or disputed information from their credit reports. 

I am deeply concerned that despite my efforts to dispute this inaccurate information and provide evidence supporting my claim, you have failed to take appropriate action to investigate and resolve this matter. This failure to comply with the FCRA 's requirements may expose them tolegal liability and penalties.
Consumer complaint received 2022-11-14
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. (SC)

I am submitting this CFPB complaint in response to your current evaluation. I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. 

At this time, I solely seek the correct remedy to my personal credit report and dispute the remaining information to fix. 

XXXX XXXX XXXXXXXX XXXX Balance Owed : {$1000.00} - I think the information provided in this account is false. When it comes to the dates this account portrays, I don't think I was late. I always make my payments on time and have never been late because I keep track of them. Please check the account 's name, last activity date, and balance. This information appears to be inaccurate. Please conduct an investigation and update this account to reflect legal accuracy. 

XXXX XXXX XXXX XXXX Balance Owed : {$800.00} - You have no right to continue reporting this account on my Credit File since this account was already deleted from the other Credit Bureaus . Under the Fair Credit reporting Act, Credit reporting must be accurate. I need you to stop this erroneous reporting and delete this account completely from my Credit File. 

XXXX XXXXXXXX XXXX Balance Owed : {$3600.00} - This account was already removed from the other Credit Bureaus therefore must also be deleted from your Credit File. Only if your record keeping had been accurate, this account should have already been removed from my Credit File. Under the Fair Credit Reporting Act, I need you to please remove this account from my Credit File as soon as possible. 

XXXX XXXX Balance Owed : {$0.00} - The following account should be on my credit report, so please give proof that this is the case and that my rights have not been suspended. If not, kindly remove this destructive info right away. 

Please send me the name and addresses of persons contacted for each ordinance found in the FCRA. If this information can not be equipped to satisfy me, get rid or update the items and maintain your help in attempting to resolve the current issue.