davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I am a Consumer and a natural person who is aware of all rights that I have, and which are protected by Congress and under the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. According to the FCRA 15 USC 1681, everything must be 100 % accurate. I was not provided a copy of the completed investigation. 

I have a list of accounts below : XXXX. XXXX XXXX XXXX Account : XXXX XXXX.DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX Account XXXX XXXX Inquiries : XXXX : Inquiry date XX/XX/2022 XXXX XXXX XXXX- Inquiry date XX/XX/2022 XXXX XXXX XXXX XXXX-Inquiry date XX/XX/202XXXX XXXX XXXX XXXX -Inquiry date XX/XX/2022 XXXX XXXX -Inquiry date XX/XX/2022 XXXX XXXX XXXX-Inquiry date XX/XX/2022 XXXX XXXX-Inquiry date XX/XX/2022 XXXX15 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 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

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- @ ( 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.

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 2022-09-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: COMMUNITY FINANCIAL SYSTEM, INC. (VT)

I made several purchases with my debit card : {$11.00}, {$2.00}, {$12.00}. Leaving me {$48.00} balance in the account. Then I had an emergency come up and I withdrew the {$100.00} leaving me at - {$52.00}. They rearranged all the purchases and ran the {$100.00} withdrawal first so they could charge extra overdraft fees on all the others. Is this legal, shuffling all the amounts around from original sequence to set me up for extra fees?
Consumer complaint received 2022-09-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (VA)

On XX/XX/XXXX I requested a refund of {$6900.00} which is the total amount paid between XX/XX/XXXX to XX/XX/XXXX from EdFinancial Services. Currently, my loan balance is {$0.00}, which is not reflected of the refund I requested. 

Edfinancial Services did not provide a written confirmation for the refund request as they claimed they do not provide written confirmations. I have since followed up once through phone to check on the status of the refund because my loan balance is still not updated to {$6900.00}.
Consumer complaint received 2022-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I have sent letters to all three credit reporting to have investigate the in accurate information being report. 

on all three reports XXXX XXXX is reporting that I paid as agreed from XXXX  XXXX 2019 but, in XXXX it reports I was 60 days late and in XXXX and XXXX 2019 the vehicle was repo. This information is inaccurate and should not be reported on my credit. 

The are also reporting this as a charge off but, stating I owe a pass due amount of {$9300.00}
Consumer complaint received 2023-04-28
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. (NY)

Aidvantage has my loan previously services by XXXX. It had two other servicers before that, as I graduated and started repayments in XXXX. Aidvantage only shows history going back to XXXX. I'm afraid the years that I was steered into forbearance or deferment will not be accounted for in determining my loan adjustments.
Consumer complaint received 2023-12-08
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (PA)

Back in XXXX, I was given an AMEX e-gift card from my employer. I was able to use part of the balance before every single retailer denied the card. Online and in store retailers all denied the card, including big box stores like XXXX, XXXX, online at XXXX, grocery stores, XXXX XXXX, everything. I called AmEx customer service 6 different times. They all said to keep trying retailers until someone accepted the card, but that it was active and available to use. A supervisor told me the exact same thing. I can not use it anywhere.
Consumer complaint received 2024-04-01
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. (WI)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

I received a copy of my credit report and found the following items to be in error : 1. The following personal information is incorrect Name : XXXX XXXX XXXX 2. The following personal information is incorrect Also Known As : XXXX XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX 4. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX 6. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, PA, 7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete from consumer report 8. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete from consumer report XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete from consumer report 10. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete from consumer report 11. The inquiry was not authorized XXXX MORTGAGE SERVI Date of inquiry : XX/XX/XXXX Delete from consumer report XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete from consumer report XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete from consumer report 14. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete from consumer report 15. The inquiry was not authorized XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete from consumer report 16. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete from consumer report 17. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete from consumer report 18. Under 15 U.S. Code 1681 e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting 100 accurately. 
XXXX XXXX XXXX XXXX Account Number : XXXX Delete from consumer report 19. Under 15 U.S. Code 1681 e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting 100 accurately. 

XXXX Account Number : XXXX Delete from consumer report 20. Under 15 U.S. Code 1681 e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting 100 accurately. 
XXXX XXXX Account Number : XXXX Delete from consumer report 21. Under 15 U.S. Code 1681 e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting 100 accurately. 
XXXX Account XXXX : XXXX Delete from consumer report
Consumer complaint received 2023-07-26
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. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : 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 XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

I looked up my credit with experian and they have 3 bankruptcies reporting on my credit report. I reached out sent expungement letter from the bankruptcy court XX/XX/2023 to remove the actions off. I have not gotten a response they have not been removed nor the inquiries.
Consumer complaint received 2022-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have sent letters to all three credit reporting to have investigate the in accurate information being report. 

on all three reports XXXX Auto is reporting that I paid as agreed from XXXX  XX/XX/2019 but, in XXXX it reports I was XXXX days late and in XXXX and XX/XX/2019 the vehicle was XXXX. This information is inaccurate and should not be reported on my credit. 

The are also reporting this as a charge off but, stating I owe a pass due amount of {$9300.00}
Consumer complaint received 2022-10-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (TX)

I called and requested a refund from my service provider, Mohela, on XX/XX/XXXX for my student loan payments made during the pandemic. The amount {$8200.00} was made on XX/XX/XXXX that I requested be refunded to me. The customer service representative said that the money would be refunded, but did not provide any sort of confirmation ( reference number or email ) that the processing would occur. No indication is on my Mohela portal that suggests it is being processed. 

I submitted a follow up message on XX/XX/XXXX and another on XX/XX/XXXX asking if I could get an update or some kind of documentation of the processing of the refund. No response has come. I then tried calling a few days ago to speak with someone and the voice recordings say that Mohela is not accepting any phone calls in the area I needed assistance in.
Consumer complaint received 2024-04-01
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. (NC)

Recently I looked at my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that TransUnion will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-26
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: Experian Information Solutions Inc. (CA)

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 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 2022-09-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

My account was closed by Bank of America. A customer service rep, explained to me that Bank of America closed my account due to a business decision, and that all remaining funds left in the account would be sent to my via cashiers check. The amount was around {$5500.00}. The date my account was closed was XX/XX/2022. Over the next XXXX months. I called in XXXX times a week to get an update on when my funds would be sent to me. All BOA would tell me was that my account is waiting for review and that they dont know when the review will happen. It has been 3 months and I have received my funds. I run a small business and this has had very devastating affects on my business. My company is still recovery from the XXXX XXXX and now I have a bank thats hold my funds for over 3 months.
Consumer complaint received 2023-06-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (KY)

XX/XX/XXXX XXXX XXXX XXXX sent me {$4000.00} on PayPal after sending PayPal limited my account and ask for verification so I uploaded it and before it was even submitted they permanently limited my account said the money held would be held 180 days then I would receive a email letting me know about withdrawing my funds. XXXX XXXX later then disputed the payment I submitted my proof to PayPal who then ruled the dispute in my favor. So the money was still in my account and was held for 180 days I received an email from PayPal on XX/XX/XXXX that my funds would be available for withdrawal on XX/XX/XXXX so after XX/XX/XXXX I contacted PayPal several times almost daily all they would tell me was no information was available they didnt know when I could get my funds so I filed a complaint with consumer finance after filing one with the XXXX and they told them theyd get in touch with me to handle the situation but nothing was ever done. The money still in my PayPal almost a month later I filed my first complaint with consumer finance it still stayed in my account until almost a week later when PayPal reviewed the complaint that I made to consumer finance and when they reviewed the complaint they immediately took the money out of my account stating that the money had been charged back by XXXX XXXX bank but when I contacted XXXX XXXX no charge back had been filed by him or his bank. Now they are telling me PayPal revoked the money because they wanted to and have that right. I only want my money
Consumer complaint received 2023-07-26
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: Experian Information Solutions Inc. (TX)

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

15 U.S.C 1681 section 604 section 2 : It also. states a consumer reporting agency can not furnish an 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 2022-09-23
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. (PA)

Hello my name is XXXX XXXX. I am writing to delete the following information from my life. Ive been trying to start up a new business venture and this has been holding me from doing so. Ive already went through this process once and it is still on my report. The fair credit reporting act was intended to ensure that you exercise your grave responsibility with fairness, impartiality, and respect for the consumers right to privacy! As it relates to confidentiality, accuracy, relevance and appropriate use of such information, Congress requires you to develop reasonable processes for addressing the needs of commerce in a way that is fair and just to me. You have violated my right to PRIVACY which is a direct violation of the FCRA and the Gramm Leach Biley Act! I did not consent or authorize for you, or the people mentioned in my attached documents to use or share my non public info info. No consent or authorization is IDENTITY THEFT which i demand to Cease and Desist! Pursuant to 15 usc 1681a ( 2 ) congress makes it very clear that a consumer report does not contain any transactions or experiences. As a result I am demanding for the following transactions and or experiences to be updated in accorance with my following instructions I noticed this problem on XX/XX/XXXX XXXX  : TRANSUNION, XXXX, XXXX Accounts : Account name : XXXX  XXXX When the account was opened : XX/XX/XXXX Account balance : {$4900.00} Inquiries : Inquiry name : XXXX Inquiry date : XXXX XXXX Inquiry name : XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXX XXXX  Inquiry date : XX/XX/XXXX Inquiry name : XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXX XXXX Inquiry date : XX/XX/XXXX Pursuant to 15 USC is 1681c-2 ( a ) you have 4 days from the date of this notice XXXX XXXX XXXX XXXX XXXX to comply with my demands in the text above. This will be my first and last attempt to resolve this issue! 

Sincerely, XXXX XXXX
Consumer complaint received 2023-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (GA)

When I try to logon to my MyEquifax.com account it gives me an error message, I am unable to access my Equifax credit report for about 4 months. I have given Equifax multiple calls and emails to their support team about the issue, but no one gets back to me.
Consumer complaint received 2017-02-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (KY)

Mortgage payment increased XX/XX/2016. Called Nation star to ask why and they never explained. Stopped payment until they returned my call. They told me my XXXX XXXX home insurance increased so I changed to XXXX home insurance that same day and the new insurance was less expensive than I originally was paying. Nation Star still did not adjust my payment. In the end I had to pay all missed payments and {$3000.00} in penalties because they started foreclosure procedures and it is on my credit report so I can not refinance to get away from Nation Star. I cant even use my VA loan because this issue. I need help. Thank you
Consumer complaint received 2023-06-21
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: EQUIFAX, INC. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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