davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION (TN)

On XX/XX/2022 Truist Bank debited my checking account in the amount of {$35.00} ( see attached document ). The check on which Truist based this debit was neither written by me nor references my checking account number anywhere ( see attached document ). 
Despite hours of fruitless telephone conversation, Truist refused to respond to my complaint.
Consumer complaint received 2018-09-27
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC. (VA)

I initially started a line of credit with Cash Net Usa back in XX/XX/XXXX. I was in need of the credit line but I was not aware that they were practicing predatory lending the interest rate kept me in a cycle of never ending debt. I ran into financial trouble back in XXXX or XXXX of XXXX and i was not able to make any payments and have not been able. I contacted them and informed them around XX/XX/XXXX again and they told me they couldn't help unless i paid the past due amount, after i already Expressed i was unable to make payments. Then they decided the best option was the {$93.00} payments plus the {$130.00} payments in XXXX to catch up which still does not help me. I do not know what to do they continuously call me and email me after ive said i cant pay and need options while im in this financial trouble.
Consumer complaint received 2022-10-13
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. (WA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-10-13
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. (IL)

My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report to this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. XXXX XXXX Balance Owed : {$11000.00} ; XXXX XXXX  XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXX Balance Owed : {$2300.00} ; XXXX XXXX XXXX Balance Owed : {$6400.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$4800.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2022-05-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My name is XXXX XXXX XXXX Today is XXXX XXXX, I've tried to access my credit file through www.annualcreditreport.com 3 days ago and I had an error message pop up two times for XXXX  and also Transunion which I know is violating my rights as a federally protected consumer pursuant to 15 usc 1681h ( c ) ( 1 ) ( B ) ( iv ). 

I received an error message from XXXX stating that the number I've entered didn't match their records. 

I've attached my forms of identification below
Consumer complaint received 2022-05-23
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. (TX)

FCRA violations : payments never late XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} Status Open. 
XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$32.00} Status Open. 

FCRA violations : accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$84.00} Status Collection account. {$84.00} past due as of XX/XX/XXXX.
Consumer complaint received 2023-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (AZ)

We have been Wells Fargo customers for 20 years. We discovered approximately {$8000.00} in charges we did not make. We filed 3 fraud cases only to be told by their computer algorithm that it was consistent with our spending. It is not. We are happy to pay for what we owe but not those charges. Now, they are suing us. They are ruining our lives.
Consumer complaint received 2024-03-08
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-03-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (GA)

To whom it may concern, I am writing to file a formal complaint against StudentAid.gov for their lack of response and inefficiency in processing my application for Income Driven Repayment. I submitted my application on XX/XX/2014 and to this date, I have not received any updates or responses regarding the status of my application. The website still states that my application is under review, with no further information provided. 

It is unacceptable that it has taken this long for my application to be processed, especially considering the implications it has on my eligibility for the Public Service Loan Forgiveness ( PSLF ) program. If my application had been approved in a timely manner back in XXXX, I would have been able to count the past 10 years towards my PSLF eligibility.

I am requesting that StudentAid.gov expedite the processing of my application and provide me with the years of PSLF that I would have accumulated had my application been processed in a timely manner. I have been eagerly waiting for a resolution to this matter and it is crucial for my financial wellbeing and future planning. 

I expect a prompt response and resolution to this issue. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XX/XX/2022 I need clarification as to why you are reporting certain information on my credit report. Please review the following : Account name : XXXX XXXX Account number : XXXX High credit is lower than balance. Delete for inaccurate reporting. 

After you have finished my request, send me a copy of my credit report reflecting these changes XXXX XXXX
Consumer complaint received 2022-05-18
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: EQUIFAX, INC. (CO)

In accordance with the Fair Credit Reporting act reports on inquiries and account information 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. 

The following inquiries show on my credit reports from XXXX, XXXX, and Equifax : Unrecognized Inquiries : XXXX. XXXX XXXX XXXX -- Alleged credit line increase request that was not completed online still appeared as hard inquiry. XX/XX/2021. 

XXXX. XXXX XXXX Credit Card request on XX/XX/2021 appears twice, when it was only executed once. 

Account I want kept private : XXXX XXXX Credit Card.
Consumer complaint received 2019-11-23
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Good evening, Transunion showed on my credit report that a bill was 30 days late in XXXX with XXXX XXXX  on card XXXX and XXXX. I sent proof it was paid on time. They agreed, and removed the XXXX listing. Transunion then said my bill was 30 days late in XXXX, I disputed on XX/XX/2019 with proof showing it was not 30 days late in XXXX either. They have nor responded as of XX/XX/XXXX. I called them on XX/XX/XXXX and they hung up on me after digging into the issue. 

Thanks for your time and help
Consumer complaint received 2022-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Exeter Finance, LLC. (KS)

On XX/XX/2022 I received a copy of my credit reports. After reviewing these reports, I identified an account that I did not recognize being reported by EXTER Financial. XXXX XX/XX/2022, I sent EXTER a letter disputing the entry and requesting documentation that I had a contractual obligation to pay them a debt. I send this letter via USPS Mail, certified with a tracking number of XXXX XXXX XXXX XXXX XXXX, which was received and signed for on XX/XX/2022. 
On XX/XX/2022, I received a new copy of my credit report. Upon examining it, I noticed that EXTER failed to annotate my credit report as Disputed by Consumer, in accordance with the Fair Credit Reporting Act, section 623 Responsibilities of Furnishers of information to consumer reporting agencies. Paragraph ( a ) ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person ( EXTER ) to any consumer reporting agency is disputed to such person ( EXTER ) by a consumer ( ME ), the person ( EXTER ) may not furnish the information to any consumer reporting agency without notice that such information is disputed by consumer. 
On XX/XX/2022 I prepared a 2nd letter to EXTER Financial and informed them of their error in following the FCRA. That letter was once again send via USPS Certified mail, tracking number XXXX XXXX XXXX XXXX XXXX, which was signed for on XX/XX/2022. 
On XX/XX/2022 I received an updated credit report, and noticed that not only did EXTER again fail to follow the FCRA, once I informed them of their mistake, they again reported a closed account to all three Credit Bureaus. 

This type of failure to follow federal law should be taken very seriously, and they need to be help accountable.
Consumer complaint received 2015-04-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (PA)

My escrow payment increased from roughly {$330.00} a month to {$410.00} a month while my taxes/ homeowner insurance have stayed the same. No XXXX at ocwen has been able to tell me why or tell me where my money is going. They tell me someone will get back to me and they never have for 2 weeks now.
Consumer complaint received 2019-11-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY (VA)

I canceled a card number with last 4 digits of XXXX in XX/XX/XXXX. As of last week ( XX/XX/XXXX ), a bunch of fraudulent charges are coming through on the old card number and appearing in my current account. This should theoretically be impossible in the credit card industry as canceled card numbers should not accept new charges. I have informed TD Bank of this issue and they were perplexed about it and unable to stop fraudulent charges from coming through, even though they agree that the old number should be invalid. This indicates a larger concern about improper or broken credit card controls on TD Bank. This is related to the XXXX XXXX XX/XX/XXXX XXXX issued by TD Bank.
Consumer complaint received 2022-05-23
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CO)

On XXXX XXXX I submitted a request for investigation on an account Experian is reporting incorrectly and is in Violation of FCRA Guidelines. 

Not only are they reporting this inaccurately, but they have yet to respond to my investigation, however they updated the comments to a disputed account. 

Ive included my certified letter, and a copy of my credit report highlighting the inaccuracies and FCRA VIOLATIONS. 

The account type is reporting as an " OPEN ACCOUNT " which is a violation- this is a collection account per FCRA guidelines it can not report as OPEN- A collection account can not have a balance reporting in the PAST DUE - this needs to be reporting {$0.00} In the two year history they are continually reporting CO XXXX this is another VIOLATION- collection accounts can not have any late payments or CO reporting - this all needs to be removed. 

They have blatantly disregarded Federal Law with numerous inaccuracies and not responding or doing a thorough investigation.
Consumer complaint received 2022-05-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

TRANSUNION IS VIOLATING MY FEDERALLY PROTECTED RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. I SENT TRANSUNION A HANDWRITTEN LETTER ASKING FOR THE DESCRIPTION OF THE PROCEDURE USED TO DETERMINE THE ACCUACY AND COMPLETNESS OF THE INFORMATION, WHICH IS MY RIGHT TO RECIEVE UNDER THE FCRA 15 USC 1681-i ( b ) ( 6 ) ( b ) ( iii ) AND ASKED IF THEY COULDNT PROVIDE IT BY THE END OF THE 30 DAY PERIOD DELETE THE ITEM FROM MY FILE BEFORE THE END OF THE 30 DAY PERIOD PER 15 USC 1681-i ( a ) ( 1 ) ( a ), YOU GUYS HAVE FAILED TO DO BOTH AND NOW ASSUME WILLFULLY AND NEGLIGENT NONCOMPLIANCE WITH FEDERAL LAW, AS I WAS EXPLICTLY CLEAR WITH MY REQUEST. ( HAND WRITTEN LETTER AND IDENTIFICATION ATTACHED ) TODAY ( XXXX ) I SPOKE WITH XXXX WHO SAID THEY CANT PROVIDE ME WITH THE DECRIPTION OF THE THE PROCEDURE USED TO DETERMINE THE ACCUACY BECAUSE ITS SYSTEMATIC.TRANSUNION HAS FAILED TO LET ME EXERCISE MY FEDERALLY PROTECTED RIGHTS. 
I AM NOT A 3RD PARTY AGENCY MY HANDWRITTEN LETTERS AND ID ARE ATTACHED.
Consumer complaint received 2015-07-07
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (OH)

giving an update on ocwen, last week i spoke again with a very nice lady named XXXX, spoke perfect english, understood everything she said and she wanted to check on our application and she needed a month of when our hardship began. i said around XXXX, 2011 and i dont even know if thats true, it was a guess, so she said ok i will put it in here myself and send you to underwritting. well today at XXXX. XXXX called from ocwen and said his agent number a little off bc you cant understand anyone except XXXX but it may have been XXXX but not sure, he said we just need to know the month of when your hardship began. i bout died but i said maybe XXXX 2011.he says ok i will input that myself and get you back to underwritting then he reminded me i had an appointment with our relationship mgr. tonight at XXXX and when they called it was a lady her id was XXXX couldnt understand her name but she proceeded to tell ask me if i spoke with XXXX today and i said yes and she said well if you can fax me a paper stating what month your hardship began in we can get you to underwriting. this is like the XXXX request for a hardship date in XXXX weeks. XXXX are you guys out of your mind. now i just found out that i have a bad XXXX well no XXXX wonder the second leading cause of a bad XXXX is STRESS and let me assure you ocwen that since you have been doing my family this way since 2011, you are the cause of my STRESS
Consumer complaint received 2019-02-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R.M. Galicia, Inc. (AZ)

According to 1681o. Civil liability for negligent noncompliance and 1692d. Harassment or abuse under federal law, I XXXX XXXX attest that I do not owe any money for a medical services rendered at XXXX XXXX XXXX hospital. I am enclosing receipts of payments made to XXXX XXXX hospital. Based on aforementioned federal statues I'm asking this company XXXX XXXX XXXX to immediately cease and desist and correct my credit report with all credit bureaus. I am requesting that this company be fined for being negligent in their reporting of a debt that is not owed. if my credit is not fixed within 5 business days, this company should be reported to the department of justice for fraud and harassment.
Consumer complaint received 2018-09-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (NV)

On XX/XX/2018 my discover card was charged XXXX.- Dollar by an entity that is unknown to me. ( The companies name is XXXX XXXX XXXX based in XXXX XXXX, CA - short XXXX, full address and contact info in attachment ) I contacted Discover and filed a fraud claim.Discover forwarded the alleged payment authorization form to me. I reviewed it and confirmed that I had never seen that authorization form, that the company requesting the charge was unknown to me and that the form was never signed by me either at it was a forged signature.

The company committing the fraud ( XXXX  ) had intercepted a legal service agreement that I had signed between myself and the law firm XXXX XXXX in XXXX XXXX, FL.

XXXX XXXX XXXX fraudulently used my information from that legal service agreement and filled out their own forged payment authorization form.

According to the Discover user agreement and Discovers own FAQ page I should be protected with 0 liability should fraud occur.Discovers FAQ defines fraud as : Beginning quote : " Credit card fraud happens several different ways, most commonly with your card information being compromised in a data breach or your physical card being stolen.Once your card information is used by unauthorized individual, it's considered fraud. " End quote That is exactly what happened to me. I never authorized that company to charge my card.

Yesterday the Discover Fraud Team ( XXXX  ) called me to let me know that my claim was denied and that my card would be charged the full amount since they consider this to be a " SCAM '' and not a fraud, therefore, I am not protected.

Their very own definition ( as stated above ) proves this to be wrong. This is fraud and I should be protected.

Calling it a scam and not fraud is a dishonest wordplay and I was not even afforded and explanation why they consider this a scam and not fraud.

I was only told this on the phone ... .I have not received any written statement explaining their position.

I have copies of all written communication.

My attachments are 1. The legal service agreement and authorization that I signed which authorizes the XXXX XXXX XXXX XXXX to charge my card 2. The fraudulent authorization form from XXXX XXXX XXXX that I have never seen, signed or authorized. ( as forwarded from Discover ) 3. The charge on my Discover credit card account
Consumer complaint received 2015-09-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (FL)

I had a foreclosure back in 2011 with Ocwen Loan and they sold the loan back at that time as well but they have continued to report the foreclosure as if it is a current foreclosure instead of the correct date of last action for them which is XX/XX/XXXX2011
Consumer complaint received 2022-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (DE)

This company has several derogatory marks on my accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-11-23
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

On or around XXXX of 2019 I received a statement that showed 5 different APRs on my statement and a fraudulent charge. At this time I disputed the information in its entirety in accordance with the Fair Credit Billing Act ( FCBA ) in which I asked for a request for clarification of charges and APR as I believe the bill to be inaccurate. Please Note that this dispute was done in writing to XXXX XXXX, XXXX. XXXX XXXX, XXXX, GA XXXX in accordance with Page 2 of the Statement with the account information, dollar amount, and a description of the problem. In addition this was down over the phone to XXXX as specified in page 2 of the consumer statement. During this time Page 2 specifically states " while we ( XXXX XXXX  ) investigate whether or not there has been an error, the following are true : We can not try to collect the amount in question, or report you as delinquent on that amount ''. Despite XXXX XXXX  own written statements and contract they have continue to attempt to collect the amount in question and have reported me to the credit report agency as delinquent. As of the date of this complaint I still have not been updated in writing to the status of the investigation or whether or not there has been an error. Due to the amount that was disputed being reported in violation of the credit card agreement and Fair Credit Billing Act ( FCBA ) which states that a consumer " may withhold payment on a disputed during the investigation '' in addition the FCBA also states that " the creditor may not ... report you as delinquent ''. After XXXX XXXX violation the card agreement and the FCBA the consumer reported the issues the the credit bureau and XXXX XXXX  once again report this a consumer as delinquent again a violation of the credit card agreement and federal law. Throughout this process XXXX XXXX  has not conformed to the Credit CARD Act by actively attempting to shield transparency from the consumer. In addition XXXX XXXX  has not conformed the their credit card agreement pacifically section 9B " How to dispute reports regarding your account '' which states that they will notify the consumer of the results " within 30 days ''.