davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy. This Right has been violated.

15 U.S.C 1681 section 605- Fair and accurate reporting within 30 days. This Right has been violated " Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate '' - This right has been violated XXXX XXXX XXXX XXXX XXXX  has continuously violated my rights by inaccurately reporting an " over the limit '' status to the credit bureau 's. Despite having consistent payments on the account and the account now reflecting XXXX. This account has not been updated since XX/XX/2022. This information has been verified by Experian, XXXX and XXXX. 

I have called XXXX XXXX  of several occasions. each attempt took hours and many transfers to different departments that indicate it has been updated and there is nothing they can do. XXXX continues to blame the error on the credit bureau. The Bureau 's indicate they only report what is reported to them. I have disputed the account with all 3 bureaus. 

Due to comenity disregard for my consumer rights I have received adverse credit decisions. unbalanced utilization, inaccurate score reporting and adverse credit reporting that is a direct result of their negligence and violation of my consumer rights.
Consumer complaint received 2024-04-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (WI)

On XX/XX/XXXX I submitted a complaint message to MOHELA. I expect a response in XXXX business days per MOHELAs own policy. I did not receive a reply to this message on MOHELAs own messaging portal. 

On XX/XX/XXXX I requested additional new information from MOHELA that is either unavailable to me in the portal, or does not exist. 

Related, I am concerned that MOHELA does not list XX/XX/2023 as a qualifying PSLF payment, despite this directly contradicting the IMPORTANT ACCOUNT UPDATE information from MOHELA indicating this forbearance would count towards PSLF when its own portal said with a giant red exclamation point and bold words : Important Account Update We are in the process of updating your account. For some or all of your loans, you will not be due for payment until after XX/XX/2023, and your interest rate will be adjusted to 0 % through an anticipated end date of XX/XX/2023. The months from XXXX through XX/XX/2023 will count toward income-driven repayment forgiveness and Public Service Loan Forgiveness , assuming all other requirements are met. Please allow up to XXXX  days for the updates to be completed. We appreciate your patience and will notify you after your account has been updated.
Consumer complaint received 2022-11-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (VA)

I made a payment to pay off my XXXX XXXX on XX/XX/2022. I paid off the full posted balance. When I checked to see if the payment was being processed there was another charge that was piggy backing in the amount of {$3900.00}. This would mean I was paying nearly XXXX for a balance of XXXX. When I attempted to work with customer service they said this payment was authorized by me. Everyone I spoke with had a different answer but all of them said they could not reverse the charge. I attempted to close the account and I was declined because I had a balance of negative balance {$3900.00}. I deleted my bank account information and went to my bank. I paid the {$35.00} stop payment fee. My bank stopped the payment from leaving my account. Then I get an email from XXXX stating that they removed my bank account because a payment of {$3900.00} was declined. When I let them know I was the one that removed my bank account information & the reason I want to close my account. I went through the resolution Center and the written statement was if you dont like the product then contact the seller. I get another message saying the {$3900.00} refund can not be processed unless I add my bank account back to my XXXX account. Now they added a late fee of {$30.00} and a {$15.00} processing fee. It was quickly reported to the credit bureaus. This made my credit score go down XXXX points because the balance increased & late payment was reported.
Consumer complaint received 2022-09-14
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. (GA)

In accordance with the Fair Credit Reporting act : : XXXX XXXX INQUIRY DATE XX/XX/2020, FRAUD REMOVE XXXX XXXXXX/XX/2020 FRAUD REMOVE US DEPT ED acct # XXXX FRAUD REMOVE US DEPT ED acct # XXXX, FRAUD REMOVE DEPTEDXXXX acct # XXXX, FRAUD REMOVE XXXX XXXX  acct # XXXXFRAUD REMOVE, DEPTEDXXXX acct # XXXX FRAUD REMOVE 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
Consumer complaint received 2022-11-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (TX)

: On Friday XX/XX/XXXX there were XXXX UNAUTHORIZED ATM TRANSACTIONS that were made at XXXX XXXX  for {$400.00} and at XXXX for {$100.00} at XXXX XXXX XXXX XXXX Texas and another transaction at XXXX  XXXX in XXXX XXXX XXXX XXXX at XXXX. I called Chime customer service department and requested for the call to be escalated to a supervisor named XXXX. I informed him that these transactions were done in a matter of minutes apart in different states and demanded I get an immediate provisional credit because I have pending bills to pay. I need the CFPB assistance to please allow me to get my money returned to me as soon as possible based simply because of the obvious that these transactions were done in XXXX state different jurisdictions of states in which were done without my authorization or my physical presence. XXXX informed me that he would inform the investigators in their department the severity and urgency of this matter and would inform us by email or phone with XXXX to XXXX business days. I am requesting assistance in this matter to help me get my money back immediately based on the severity of these matters of injustice.
Consumer complaint received 2022-11-11
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. (NV)

XXXX XXXX XXXX XXXX ( Installment ) Accounts - negative accounts - closed - Summary Equifax XXXX XXXX Last Updated XXXX, 2022 XXXX, 2022 Payment Status Charge-off Unpaid balance reported as a loss by credit grantor Worst Delinquency Bad debt/collection Charge Off/Other Derog Balance {$1400.00} {$0.00} Credit Limit 15usci1681i 15usc1681ia 15usc1681i5 15usc1681b i have no knowledge of this account, if this was charged off it can no still be reporting. you must remove or submit a 1099G because you can not collect on a charged of account that you summitted to the IRS please remove and suppress. please update credit report
Consumer complaint received 2024-04-08
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MOHELA (SD)

On XX/XX/XXXX I spent XXXX hours and XXXX minutes on the phone with Mohela asking about the status of my XXXX application for discharge. I was told that my payments only amount to XXXX. 
Mohela put me on a forbearance without consulting me XXXX of XXXX and told me this would not affect my payment count, that these months would count towards my XXXX months & payments of service. They asked I give them 60 days to update my payment counts, then I would need to resubmit my application to be considered for discharge, and I could do that as soon as my payment count " on their website '' officially reflects XXXX payments. They said they needed to " send me to another department to talk about the month count '' I was never successfully connected ; the call was cut off. 
On XX/XX/XXXX, I called again. This time I called at XXXX XXXX and was connected after a much shorter hold. I reported to them the whole thing that had happened the XXXX of XXXX, and asked I be connected to the department the representative the night before was attempting to connect me to. They told me it was not necessary, they just needed 60 days, I can re-apply, and would qualify this time, because they again said those months would count. 
Here I am, the XXXX XXXX XXXXXXXX, my husband having received the email from President Biden last week that he is within 2 years of forgiveness, and I did not receive the notice of forgiveness, NOR the notice that I am within 2 years. 
Instead, I get daily emails from both Mohela and the department of Ed that I " may be past due on a payment ''. I am up-to-date on payments and do not have another ( unjustly billed ) payment due until XX/XX/XXXX. 
I feel like Mohela ( and I guess the Department of Education, since they are taking over- oh, and I get to keep having to pay all summer ) is going to give me the run around until the end of time. 
I am a XXXX  employee at an agency that I adore. I have been doing this work. I will continue to do this work. I don't know why they can't hold up their end of the bargain.
Consumer complaint received 2022-11-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CLGF Holdco 1, LLC (NC)

I received an email on XX/XX/XXXX stating that my account for Destiny XXXX has been registered. I never received a credit card nor opened an account with them. I called the company within XXXX minutes of receiving that email on XX/XX/XXXX, I spoke to a fraud department representative who I asked to close the account. She had asked me to follow up with the Federal Trade Comission. There is a XXXX dollar annual fee due. I did not open this card.
Consumer complaint received 2022-11-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I had more than {$1000.00} usd in rewards in my capital one account - credit card. I received a letter during the night of XX/XX/10 indicating that my account was closed but my rewards were never redeemed. I contacted the bank but they refuse to pay me the amount of dollars that I had accumulated I had any debt with that account at the moment that I requested to receive my rewards either thru a gift card, check, transfer etc.
Consumer complaint received 2024-04-06
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (FL)

A collection from Jefferson capital systems llc was put on my credit to be exact XXXX and XXXX  as a collection/charge off i have no knowledge of oweing any dept to Jefferson capital systems llc also i didnt receive a 1099 about a charge off im in process of building my credit and this unknown dept has took my credit score down tremendously and by law 15 usc any dept that arrives on your credit that u have no knowledge of without your consent should be removed immediately.
Consumer complaint received 2024-04-06
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: FC HoldCo LLC (FL)

My wife and I purchased a vehicle for {$54000.00} in XX/XX/2023. We both have sub par credit and are working on fixing it. We purchased this vehicle with a extremely high interest rate with hopes that with on time payments we would refinance in a year. Flagship Credit Acceptance has not reported our on time payments. We've emailed and called several times and get no updates or results. This is predatory lending practices to keep a high interest rate and not allow other finance options. 
This is a {$1200.00} payment made on time every month. We even made a extra payment to principal but was never applied to the principal by the company. Now over a year later our credit has not changed due to the fact that no payment history is being reported.
Consumer complaint received 2022-11-11
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. (NJ)

XXXX XXXX XXXX XXXX is now the loan servicer of my student loan. This loan was transferred to them from a company called XXXX. I was never informed of this transfer until after both agencies contacted me demanding money. This is not allowed by law as it states a consumer is to be notified in writing before such actions are taken. 

Under the Family Education Rights and Privacy Act of 1974 all my student records are to remain private between myself and my institution, I singed an agreement with my university vowing none of my information would be shared with third parties or it's affiliates. XXXX clearly states that all records including my transaction history is to remain private. Reporting my personal identifiable information to the XXXX major credit bureau 's violates this act. 

Further under the Privacy Act of of 1974 it clearly states no information is to be shared without my permission. I never gave permission nor have I ever waived these rights. 

By placing this very private and personal information that is supposed to be between myself and my university, all my information is available for anyone to see. This information can be used to prejudice me and used against me. This agency along with the XXXX XXXX XXXX and XXXX have willfully misused my private information. They have also ignored my request, also available by law to opt-out of reporting this private information. 
16 CFR 6805 states companies are to provide consumers the option to opt-out of certain credit tradleines from being placed on their credit report each month, yet this is not enforced. I wrote these agencies requesting to opt-out yet they chose to ignore me.

Due to the damaging and purposeful misconduct of these agencies I am seeking remedies immediately. I have files a Fraud report with the FTC because that exactly what happened. Anytime a consumers private information such as name, address, phone numbers, social security number, complete transaction and financial history is given to another person, company or other and used for any purpose they want, and without their knowledge - that is called Fraud. My social security number belongs to me and the Social Security Administration, no one else, it is backed by the Federal Reserve. and is not to be given to anyone.

Please see the attachments provided. I demand this information be removed from all three credit agecies, as allowed to me by law within 4 days under 15 USC 1681, 605 - block of information from identity theft.
Consumer complaint received 2022-11-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (SC)

Since the end of XXXX, I have tried multiple times to log in and pay my mortgage through 5/3rd 's online payment system, through which I have made multiple previous payments without incident. The number they give you to call to resolve the issues doesn't allow you to speak directly with the appropriate department. After multiple calls to 5/3rd bank , they informed me that they were updating their systems, and they were unable to verify my identity due to the lack of a phone number or email address on file. After finally getting in touch with a representative were informed that it would take 30 days to verify our phone number and allow us to log in ( making our mortgage late ) and then we would have to call back in 30 days to ensure that 5/3rd had processed it. We verified our identities over the phone ad added an email and phone number, only to try and log in again and have it not work. We called back and were informed that there was no email or phone number on file and that we'd have to wait 30 days again. Once We started speaking to the supervisor he gave us a bunch of lip service and advised that the first time we spoke with someone none of the information we verified or input was there and that the rep that transferred us to him had misinformed us that it was only 14 days. They rolled out this new security update without notifying their customers in advance.
Consumer complaint received 2024-04-06
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: CL Holdings LLC (OR)

I have a collection on my account from XXXX  from 2023. I never had XXXX. I have XXXX XXXX. And Ive had XXXX XXXX for years now. I dont understand why XXXX dollars was charged to my credit.
Consumer complaint received 2023-12-27
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 (FL)

I received multiple AMEX gift cards from my employer. I have successfully used the card twice and cant get it to work anywhere even though there is funds available on the card. 

These virtual cards are declined online and in brick and mortar stores, at restaurants and grocery stores, or XXXX wallet - no one will take these cards. 

I call AMEX customer service and they can not offer me any resolution. They can not tell me where I can use the cards ( their site claims you can use them anywhere that accepts AMEX ). They can not transfer my balances for my four unusable virtual cards to a physical card. They can not offer me a refund. 

They do not allow you to use the cards for partial payments, nor do they allow you to charge too close to the total card balance. 

I have been unable to use the card twice and that is it. My money is inaccessible. All I want is the total balance on my cards in cash/check.
Consumer complaint received 2022-11-11
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. (PA)

Checking a credit report that's supposed to be associated with me and my personal business. I come across some hard inquries that TRANSUNION refuse to remove with my oral and written consent per 15 USC 1681 d ( 1 ) & ( 2 ) and request serveral times. I gave the bureau applical evidence and findings. 

PERMISSIBLE PURPOSE MEANS : EMPLOYMENT INSURANCE COURT ORDER FIRM OFFER OF CREDIT *** THIS IS STRAIGHT FROM TRANSUNION WEBSITE*** & FCRA Permissible Purpose Compliance Notifications Permissible purpose is defined in Section 604 of the Fair Credit Reporting Act ( FCRA ). [ 15 U.S.C. 1681b ] In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

In accordance with the written instructions of the consumer to whom it relates.

To a person which it has reason to believe intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or intends to use the information for employment purposes ; or intends to use the information in connection with the underwriting of insurance involving the consumer ; or intends to use the information in connection with a determination of the consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status ; or intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or otherwise has a legitimate business need for the information in connection with a business transaction that is initiated by the consumer ; or to review an account to determine whether the consumer continues to meet the terms of the account.

I understand 15 USC 1681 ensures me These inquries have no permissible purpose to be in a credit profile that I dO NOT HAVE ANY ACCOUNTS WITH. 

1. XXXX  XXXX XXXX XX/XX/2022 2. XXXX XXXX XX/XX/2022 3. XXXX XXXX XXXX XX/XX/2022 *** XXXX FOUND NO RECORDS OF THESE ACOUNTS AND DELETED THE INQURIES. 

4. XXXX ACCOUNT # XXXX. UPDATED TO ''PAID AS AGREED '' LIKE XXXX XXXX XXXX XXXX SHOW YOUR PROOF OF ME NOT PAYING THIS ACCOUNT OFF.
Consumer complaint received 2022-11-11
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. (SC)

On XX/XX/XXXX, I XXXX XXXX went to my local bank ( XXXX XXXX XXXX ) to apply for a loan for a travel trailer. My credit report was pulled with an unknown account linked with all my personal information. I had NO knowledge of this account and did not open it ( XXXX ). The account is now considered a charge off ( according to the printed report that my bank gave me that day ). The date showing opened was XX/XX/XXXX. I have also contacted the company XXXX XXXX to let them know this was NOT my account and I did not open it under my authorization. They would not help me at all and ended up closing the case. I filed a police report ( breach of trust ) with XXXX XXXX XXXX 's Department ( XXXX XXXX XXXX ) and contacted XXXX XXXX AGAIN and gave them the case number and they reopened a case that is now showing under investigation. I also contacted Experian to let them know the fraud situation as well. I spoke with an XXXX today ( XX/XX/XXXX ) at XXXX XXXX XXXX XXXX department and he also recommended that I reach out to the Federal Trade Commission to also report the situation. I have also received a letter from the debt collector asking to pay {$5000.00} back. I did in fact contact the company ( XXXX XXXX XXXX XXXX ) and told them the entire situation and how the account was fraud and I XXXX XXXX did not authorize any purchases linked to the account. If anything else is needed please contact me at : XXXX.
Consumer complaint received 2023-10-04
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. (PA)

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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.