davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-29
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. (GA)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance Owed : {$560.00}
Consumer complaint received 2022-12-19
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. (GA)

I constantly check my credit report and noticed that the errors and false and misleading information for individual accounts didnt quite meet the credit reporting standards of being 100 % correct. This has damaged me tremendously and held me back for quite some time now. I am demanding the CFPB to enforce the correction and/or deletion of these items.
Consumer complaint received 2019-08-06
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC. (FL)

I feel as though I was pressured into signing up for a degree in a career that did not, and still does not need a degree to perform. I currently having to pay put {$29000.00} for a career that I could have done on the job training. I was not advised that this career did not need a degree. I don't see how a school is allowed to offer a program that should not be a program. My interest rates were not explained to me properly, so now every month the cost goes up. This school and lender target young, adults who otherwise can not afford to go to a University.
Consumer complaint received 2023-02-23
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. (NJ)

Attached is a screenshot and letter that I recently sent to XXXX and Experian. I requested that both CRA 's do a complete investigation to ensure the accuracy and of ownership regarding this XXXX. I was sent a letter from both CRAs that this account was verified as accurate. I have requested their method on verification as proof as to how this account was verified as accurate but did not receive anything. IF a complete investigation was done XXXX and Experian would have seen this account was deleted from my XXXX report. They would have also seen all of these inaccuracies. I highlighted as proof that this XXXX account is not only inaccurate but also has not been validated as my account.
Consumer complaint received 2023-07-17
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (AL)

Hi my name is XXXX XXXX. I have been a member with USAA for 7 years and I opened a credit card ending in XXXX with USAA bank . I am unable to get an accurate credit report because USAA removed it from my credit file. I am now on my 2nd on time payment and I was informed by XXXX, XXXX, and XXXX that USAA has not sending them information. My credit score is not correct for these reasons. PLEASE REPORT MY CREDIT CARD AND PAYMENTS IMMEDIATELY OR I WILL STOP MAKING PAYMENTS.
Consumer complaint received 2023-02-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (NC)

IN XXXX, 2022, I CALLED XXXX CONCERNING MY STUDENT LOANS AND CONSOLIDATION. THEY RECOMMENDED THAT I CONSOLIDATE WITH MOHELA. I CONSOLIDATED THE LOANS. HOWEVER, I HAVE NOT BEEN ABLE TO REACH A LIVE AGENT, SINCE THE CONSOLIDATION. I RECEIVED A LETTER FROM MOHELA, INDICATING THAT I HAD DIED. I CALLED CONSISTENTLY AND HAVE NEVER BEEN ABLE TO REACH A LIVE AGENT.
Consumer complaint received 2023-02-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (MI)

Ill start by naming an original Debtor, was a XXXX XXXX Bank XXXX. XXXX! It was their credit card that they added a bunch of nonsense fees too and then said in XX/XX/2020 they would not be able to help me pay them I didnt qualify for any fee waivers or covid relief and send it directly to MIDLAND CREDIT company and i am not sure if you ever heard of this company but they dont care who you are what you owe they called already XXXX times this morning and its before noon! Relentlessly! XXXX XXXX credit cards are loaded with illegal add ons and they know it!
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Radius Global Solutions LLC (FL)

Hello, To whom this may concern I have sent letters out on the XX/XX/2023 to remove all incorrect information on my credit, I provided radius global solutions with a letter demanding the original contractor or letter of agreeance stating that I signed a consent form for their collection agency to take over to my contract, I even provided proof of identification ensuring that it is I requesting these hard inquiries be removed immediately from their reports and my credit report. In each letter I stated that I would like to receive my proof of reassurance by mail addressed to the address printed on the letters and I also gave them 30 days to do so and by law since they have not been in contacted with me within those 30 days assuring that they are entitled to remove all incorrect information and hard inquiries from my credit report immediately.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

I have disputed with Equifax on inaccurate reporting. On XX/XX/XXXX I sent Equifax a plea to correct or remove the inaccurate, incomplete credit information as stated in the FCRA law USC 1681. Equifax has not complied to my request. The letter sent is included in evidence. On XX/XX/XXXX Equifax sent me the reinvestigation results. The inaccurate information is on the following accounts. XXXX XXXX  has been sold. XXXX XXXX should not be reporting on the account if lending club has no affiliation with the account and no history or date closed is provided I have no way to verify this account. XXXX account is reporting with no closed date. Date of first delinquency is XX/XX/XXXX while reporting XXXX days past due. this is inaccurate. XXXX is reporting XXXX to XXXX days past due XXXX consecutive months XXXX XXXX XXXX. this is inaccurateXXXX XXXX  date of last payment is reporting XX/XX/XXXX. Account history with code is missing, I can not validate. Date of first delinquency is reporting XX/XX/XXXX, history with code is missing. XXXX is reporting XXXX days past due XXXX consecutive months XX/XX/XXXX through XXXX. No closed date is reported. XXXX XXXX XXXX  account, date of last payment is reporting XXXX. This information is missing in History code. Date of first delinquency is XXXX  that is missing in history with code. XXXX to XXXX  days past due reporting consecutively XXXX XXXX XXXX this is inaccurate. XXXX XXXX date of last payment is reporting XXXX while reporting first delinquency of XXXX XXXX XXXX XXXX  is not accounted for this is inaccurate. No closed date is reporting. History codes are missing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This report after investigation is reporting incomplete and inaccurate information.
Consumer complaint received 2023-07-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current (GA)

I have a Current account # XXXX which has been functioning without incident for almost 3 weeks. Without notice, Current Fraud Operations cancelled my pending ETF and sent me a verification request. I promptly submitted all documents ( Photo ID, Selfie holding ID, XXXX XXXX  Statement ) and asked for an ETA to resolution, follow-up timeframe, contact information, etc. I have spoken to almost 20 Agents and Supervisors throughout the organization ; Nobody at Current will provide the contact information for the Fraud Unit, Executive Response Unit, Office of the President/CEO, or even a timeframe within which someone from Current will proactively reach out to me to confirm resolution. In the meantime, I have been lied to, given contradictory information, hung up and disconnected on while my access to my account funds ( presently {$340.00} ) is fully restricted ; I can not make any Inbound/Outbound transfers, and my Debit Card access is locked for purchases/withdrawals. This is tantamount to theft of my {$340.00}.
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The accordance with Fair Credit Reporting act this accounts has violated my rights. XXXX XXXX XXXX acct # XXXX 15 U.S.C. 1681 section 602 A. States I have the rights to privacy. 15 U.S.C. 1681 Section 604 A section2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I've obtained a copy of my consumer report on the date of XX/XX/2024 that is reporting numerous inaccurate negative accounts. this has not only damaged my right to extend credit, but it has made me loose hope and trust within the banking system. I have been denied for credit cards and home loans because of this. Not only has my character been defamed, but my mental and physical health have suffered greatly. There is no law that says a consumer reporting agency MUST furnish information about a consumer which is why congress made it very clear that you company has ASSUMED this VITAL role pursuant to 15 USC 1681 ( a ) ( 3 ). Also, your company failed to be fair and respect my right to privacy according to 15 USC 1681 ( a ) ( 4 ).

I am requesting valid proof and documentation that these negative items where investigated fairly and properly. Also please provide me with the system and details your company uses to determine if transactions took place or not. you company is in violation of several federal laws including the responsibility you have to protect my privacy.
Consumer complaint received 2023-10-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (PA)

Mohela has mishandled my student loans. I was transferred from XXXX to Mohela. XXXX approved my XXXX driven repayment plan for a cost of aproxiamtely $ XXXX. Upon the transfer to Mohela, Mohela " lost '' this application and informed me that I now owe {$390.00} a month. I reapplied for XXXX and uploaded supporting documents from XXXX and applied for forbearance. I called Mohela on XX/XX/XXXX. After nearly XXXX hours on hold, a representative told me " you did everything right '' and my forbearance would be approved by Monday, XX/XX/XXXX and I would not need to pay. 

Mohela 's auto debit system failed and did not bill me the ( again, incorrect ) amount of {$390.00}. Instead, Mohela put my account into delinquency and when I called again today ( Wednesday, XX/XX/XXXX ) Mohela 's automated phone system warned me that a collections agency would gather information to use against me, despite XXXX XXXX 's so-called " on ramp '' of not reporting delinquent payments to creditors. 

Additionally, my XXXX has been denied, despite the fact that I only make {$39000.00} a year after tax. 

I do not know if I still qualify for XXXX XXXX XXXX XXXX. I just resubmitted an IDR application with documents attached ( which are not required ) and Mohela is showing that I applied for REPAYE when I applied for XXXX. 

I have been on hold for an hour again.
Consumer complaint received 2023-08-01
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Phillips & Cohen Associates, Ltd. (IL)

There was no listing for OTHER on the last question. They reported to credit reports that I was XXXX. They sent a letter to The XXXX  of XXXX XXXX with condolences for my XXXX  but, bill was still due. This company had to stoop to such a fraudulent level to try to collect {$900.00} or so bucks. Sadly, XXXX nor any of the others asked for any proof of XXXX. I thought the letter was a scam because there's nothing saying I'm XXXX  so, how is a collector allowed to just make such a thing up just to force someone to contact the. I had to make numerous calls to XXXX to get it off my credit as I was wondering why I couldn't get a XXXX score. Looks like they don't give XXXX  people XXXX  scores and the account is flagged as well as if someone is doing something illegal. So, this company has caused me a lot of problems. Why is nobody asking them for proof when they list people as XXXX. Perhaps CFPB should look into how many others they've done this to and consider a class action. This behavior is fraudulent. I'd like for them to pay me for the problems they caused me as I'm sure their bill would be over the {$900.00} they used their underhanded tactics to secure payment for XXXX XXXX.
Consumer complaint received 2022-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Hello, I have unauthorized inquiries being furnished on my credit report. I am requesting that they are disputed and removed off of my credit report. 

Creditor name & Date XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX CAPITAL ONE XXXX CAP ONE NA XXXX CAPITALONE - XX/XX/XXXX
Consumer complaint received 2024-03-11
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. (CA)

I'm feeling troubled, unhappy, and stressed regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments.
Consumer complaint received 2022-12-14
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. (IL)

In accordance with the fair credit reporting act XXXX account # has violated my rights. 

15 USC 1681 section 602 states I have rights to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-07-28
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. (AZ)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-07-28
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. (FL)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2019-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Around XXXX of XXXX, I informed Bank of America that I expected to have difficulty in the near future continuing to make my payments on my credit card with them, due to issues with my college. I was told that they could not offer me any options until I was behind. As my area was impacted by a hurricane in late XXXX or early XXXX, I was able to get payments postponed for two months with no ill effect at that time. Afterwards, I was behind, and went to my local branch in hopes of assistance. I was then told that they could not help me because I was behind ( whereas previously I was told they could not help me until then! ), but was provided with the hardship phone number, who was also unable to help me due to lacking income at that time. At some point late in the year, XXXX or XXXX, I don't recall exactly how, I managed to get in touch with XXXX XXXX, in Executive Customer Service. 

He seemed to be understanding of my situation and we discussed that I would have approximately a XXXX coming back from my tax refund in XXXX or XXXX of XXXX. He stated that he would have the ability to offer me something I could manage at that point in time. When I called his office back after receiving my {$900.00} tax refund, which I had already specified I would not be able to use all of it towards my balance with Bank of America, I was informed that no options were available to me other than paying {$3500.00} to clear the whole balance of {$6500.00} or so. 

I was very clear that I was willing to work with them if they were willing to work with me, but they moved the goalposts repeatedly and prevented me from making a payment when I had the ability to do so, claiming it would not be enough. I was also very clear that due to how I had been treated during this process, that if they sent it off to a collection agency, they would never see a dime from me. It was sent to a collection agency some time in the middle of XXXX, at which point I ignored it entirely. Now they're trying to take me to court over it ; they've even filed, which I learned from a local lawyer who was reading recently filed cases, as I have not yet been served. 

My position is that the debt is completely nullified due to Bank of America 's failure to hold up their end of the contract and work with me on a payment arrangement when I had the ability to do so ; that I told them how much I expected to have and when, had that amount at that time, and although they claimed they would make an offer I could manage at that point, as they were lawfully required to do, they deceived me in doing so and have thus voided the contract.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2023-02-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America can not handle a fraudulent XXXX case that caused me to steal unauthorized {$3300.00} from my checking account without my knowledge, authorization, or the unknown destination of the people who stole this. They have disapproved of my case, claiming it's unresolved after being researched. 

XXXX XXXX XXXX CLAIM NUMBER : XXXX ACCIDENT DATE : XX/XX/2023 BANK OF AMERICA XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2023-07-17
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: CAPITAL ONE FINANCIAL CORPORATION (NV)

The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.