davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-13
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. (CA)

UNAUTHORIZED INQUIRIES DISPUTED MULTIPLE TIMES, NOT CORRECTED AFTER THEREE MONTHS : 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 2023-03-16
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. (MO)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts and items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts and information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these files : XXXX XXXX XXXX XXXX XXXX XXXXY XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX MO CHLD SPRT XXXX Balance Owed : {$5900.00} XXXXP XXXX Balance Owed : {$560.00} XXXX CHR XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX. If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2023-03-16
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: Hebrew Free Loan Society, Inc. (NY)

I want this late payment deleted from my account within XXXX days, I don't believe I'm late on thise late dates, Under USC 1666b, you should remove this late payment. Please update.

( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. This account need to be updated : HEBREW FREELOAN SOCI XXXX Date Opened XXXX  XXXXXXXX XXXX  Balance : {$0.00}
Consumer complaint received 2024-03-21
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. (MD)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAVE VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHT TO PRIVACY AND CONFIDENTIALITY UNDER 15 U.SC 1681 XXXX XXXX XXXXXXXX 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 15 U.S.C 1681 SECTION 602 A : STATES THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 U.S.C 1681c SECTION 604 ( 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 INFORMATIN IS INACCURATE.
Consumer complaint received 2023-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

Credit Bureau used Oscar system instead of getting accurate information from XXXX XXXX  Credit Bureau continue to report inaccurate information. Causing my credit score to decrease preventing me from obtain residence. I spoke with XXXX XXXX  and they informed me that last balance statement was XXXX balance. Reported wrong inaccurate balance. The last statement for XXXX shows a XXXX balance with a credit of {$540.00} which means I over paid above the credit limit. Which still means balance is XXXX. Credit limit is XXXX but available credit limit is {$1400.00} related to the over payment and XXXX credit. Please READ accurately that the balance statement is a XXXX CREDIT not and Owed balance.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: PNC Bank N.A. (OH)

I had accounts with PNC, XXXX, AND XXXX BANK. They just closed my accounts because I asked for larger amounts to deposit into investments elsewhere than the banks. They had suspicious reactions that I was being scam or otherwise. I am not involved in anything. 

I was suspended and found out just by trying to use my debit card. I had over {$170000.00} in my bank accounts from a home sale left over after investing {$150000.00}. 

I felt like I was treated like a criminal. I am a responsible XXXX who has never been in trouble before. 

They did give me my money back in a cashier 's check. 

I just want the government out of my business affairs. Please file charges on all three banks with the SEC and FDIC. Besides filing charges against all the banks for me. 

PNC, early 2023. 
XXXX in XX/XX/2023. 
XXXX XXXX XX/XX/2023 I was put on XXXX reporting. Please sue all. I had the hardest time finding a new bank. 

Cordially, XXXX XXXX XXXX
Consumer complaint received 2024-01-22
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (SC)

I took out the first title loan about 2 years ago they was charging extra charges that I did not know and I had to get another car title loan so they rolled it over into the one that I have now so it been about 4 years been with them but now the car does not run at all and I am still paying on this car loan but they will not switch it over to a personal loan and I'm trying to sell it but I have to go through hoops just to get the title this is not fair The amount that I owe now is about {$7000.00} on the title loan but the car is not even worth XXXX it is worth about XXXX
Consumer complaint received 2022-02-23
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: NEXA Mortgage, LLC (AR)

In XXXX / XX/XX/2021, I origninated a loan on behalf of my father and sister, XXXX and XXXX XXXX, while I was with Nexa Mortgage. Soon after the origination, I found that Nexa was not a company that I wanted to work for and so I left. 

I transferred their loan to XXXX XXXX, a local Nexa agent in our town. From that time, we have been put off and put off. We have had to resend documents that we have already sent. 

On Monday, XX/XX/XXXX, we were informed that XXXX is no longer with Nexa. Nexa has not reached out to the borrower about the next steps. When I have called and text, I have been told that the loan is being worked on, however, the buyer has been contacted by no one. 

We were told that this loan should have closed today or tomorrow. 

The borrower has called, I have called, no one calls back and no one answers text message.
Consumer complaint received 2024-01-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (ID)

Why is this payment not entered into my payments on my account? What did you do with it? The bank did not reverse it and this caused me to have higher interest and more to pay so I just sent a XXXX payment that I did not owe as interest. You need to get this fixed now and stop cheating me. 
Payment Confirmation Thank you for your payment. This email confirms that your payment request was submitted to MOHELA for processing. 
Payment made on : XX/XX/2024 Confirmation # : XXXX Payment Amount : XXXX Payment Effective Date : XX/XX/2024 This email confirms a payment has been scheduled and is not confirmation that your payment has successfully processed. It may take 2-3 business days from the Payment Effective Date to post to your account. Please visit mohela.com to confirm the status of your payment or manage your account. 
If you have any questions regarding your account, please contact us. 
Sincerely, MOHELA
Consumer complaint received 2024-01-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (WI)

I have paid my federal loans consistently since 2015. I paid during covid, and while I was earning a principal certificate. For a few months, XXXX charged me a late fee ; I inquired. XXXX claimed I did not indicate for which loan I wanted my payment applied. XXXX never sent a message that this was a new procedure. Their lack of communication cost me money. I suspect it is not a new policy but a way to scam people out of more money. Next, I applied for a public service loan through Mohela. I waited an entire year only to find out they had " lost my application '' because, at that time, I had to send a paper copy. I applied again and was accepted this past summer. But, by the Fall, I was not receiving credit- when I inquired, They reported that I no longer worked for a qualifying school. Not true- I have worked for XXXX XXXX for XXXX XXXX  Consequently, the payments I made during this time, " did not count ''. I have messaged Mohela several times to tell them I did not want my loan to be in deferment ; they didn't respond. I have paid faithfully, but none of the federal student loan companies have dealt with me fairly. They seem to work overtime to make paying off my loans difficult. Their fraudulent behavior has cost me more money than I borrowed.
Consumer complaint received 2024-01-21
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (IL)

I was able to secure loan forgiveness through PSLF and payoff XX/XX/XXXX  for my loan but I still have not received my refund for XXXX  payments that were over the XXXX  qualifying payments needed for my PSLF qualifying payments. I searched online and saw that other students posted online that CFPB was able to help them.
Consumer complaint received 2023-10-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Block, Inc. (NY)

XXXX mailed me a business debit card. The card has my name and address, but also the name of an unfamiliar, local business. I called XXXX and asked that the account be closed. They agreed, but are unable to provide confirmation of the account closure. I also asked " who opened the account? '' but they couldn't provide that information.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/2022 Wells Fargo Dealer S, XXXX XXXX, XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX pulled hard inquiries on my Credit File without my consent.
Consumer complaint received 2024-01-21
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 am having paying my student loan thru Mohela. The fist payment I made it and then I signed in to have direct deposit by month to be paying the loan. I then got a letter that I owe 4 months of payments and I pay them. The next month I got a letter that I owe 5 months. Why are they not taking my money and stacking months and months of late payments when I am trying to pay everything. Now I dont have enough money to cover what I owe them.
Consumer complaint received 2023-01-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAINE & WEINER COMPANY, INC. (MD)

I have been trying to dispute an collection account with Caine & Weiner. I do not have a contract with this company so they should not be reporting to the credit bureau. I have tried to logon to my XXXX account and have been unsuccessful in doing so. It is telling me that my logon information is not correct and I have been using the same email account for years.
Consumer complaint received 2023-02-20
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. (TX)

According to my research about FCRA 605, credit bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that CREDIT BUREAUS must remove are listed below : XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX  ( Original Creditor : XXXX  XXXX  XXXX ) XXXX Balance : XXXX ; XXXX XXXX Bankruptcy Reference # XXXXDate Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX.
Consumer complaint received 2021-03-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MiraMed Revenue Group LLC (VA)

This account is reporting on my credit score " fraudently '' and i have no knowledge of it. Also, information containing my name can not be sold to other creditors by law. I want this account " DELETED '' immediately or me and my attorney will take legal action.
Consumer complaint received 2019-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

This is my Bank if America credit card. I paid my balance in full and was still charged a late interest fee. They call it trailing interest. I used their default setting to pay of my bill and was still charged. This is highly deceptive. I tried calling and was unable to get any type of response. I will be canceling my card and never use Bank of America again for any service.
Consumer complaint received 2023-08-23
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. (TN)

EXPERIAN DID NOT INVESTIGATE THIS ACCOUNT CORRECTLY PROPERLY THIS ACCOUNT NEEDS TO BE DELETED Immediately. EXPERIAN ON ONLY INVESTIGATION TOOK THEM 3 DAYS TO INVESTIGATE THIS ACCOUNT. BY LAW ITS SUPPOSED TO TAKE UP TO 30 DAYS OR MORE BECAUSE THEY HAVE TO REACH OUT TO THE CREATORS TO CHECK AND SEE IF THE INFORMATION IS CORRECT.A DISPUTE TAKES TIME TO DISPUTE. XXXX XXXX XXXX DID NOT CONTACT YOU. IKNOW BECAUSE I SPOKE WITH THEM.THEY GAVE ME THE LETTER TO GET THE ACCOUNT DELETED AND I HAVE MY PROFF OF CLAM. EXPERIAN THEY ARE BREAKING THE LAW OF THE FCRA & THE FTC and the CFPB.THERE WAS NO status update. DISPUTE WAS OPENED ON XX/XX/2023 Closed back on XX/XX/2023 THERES NO POSSIBLE WAY THAT THIS ACCOUNT HAS BEEN PROPERLY INSTALLED I DEMAND THAT this Account be deleted immediately
Consumer complaint received 2023-03-11
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. (AZ)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 2022-02-24
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: Experian Information Solutions Inc. (IL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719tXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

Upon reviewing my credit report, I observed inaccurate informations that are not associated with me. I did not provide consent for any of this information to be included in my credit report, and its presence is significantly impacting my life. I kindly request your assistance in addressing this matter.
Consumer complaint received 2023-02-22
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please update these items and correct the negative information you reported in my report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX