davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-27
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 am writing this complaint to inform the CFPB, XXXX and XXXX that I am a victim of identity theft. I XXXX XXXX is a consumer pursuant to 12 CFR 1022.3 ( f ). Pursuant to 12 CFR 1022.3 ( g ) the term identifying information means ANY name or number that may be used, alone or in conjunction with any other information, to identify a specific person. Pursuant to 12 CFR 1022.3 ( h ) the term identity theft means a fraud committed or attempted using the identifying information of another person without authority. XXXX and XXXX is a credit reporting agency pursuant to 15 USC 1681a ( f ) and they have used my personal identifying information without consent or authority to do so. pursuant to 15 USC 1681c-2 ( a ) A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. pursuant to 15 USC 1681b ( 2 ) a consumer any consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instructions of the consumer to whom it relates. Fact, pursuant to 12 CFR 1022.3 ( i ) ( 1 ) ( ii ), identity theft report means a report that is a copy of an official, valid report filed by the consumer with a Federal, state, or local law enforcement agency. I am aware and have proof that I am a victim of identity theft. ( proof uploaded ) XXXX and XXXX is in violation of 15 USC 1681b ( 2 ). I never given XXXX and XXXX who is a credit reporting agency written instructions to furnish a consumer report on my behalf. congress mentions in 15 usc 1681 ( 2 ) and ( 3 ) that XXXX and XXXX is a CRA that assumed its roll as congress said they are and elaborate mechanism. XXXX and XXXX has no authority as must abide by federal laws and has assumed a role in containing my personal information without and using it without my consent. I hereby demand XXXX and XXXX to provide me with the documents bearing my signature with the written instructions to furnish a consumer report on my behalf. I am a victim of identity theft and my personal identifying information was used by XXXX and XXXX without authority or consent, to commit fraud and furnish a consumer report on my behalf.
Consumer complaint received 2021-12-27
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. (IL)

My identity was stolen and I have some inquiries and two collections on my account that arent me. Ive called XXXX and Equifax and sent letters. I called the companies multi time including spoke to each companies credit departments. XXXX hangs up on me and sends me to a special handling department. I have never lived at the address XXXX XXXX XXXX XXXX XXXX IL XXXX Ive have express to them the consumer laws for inquiries 15 usc 1681n & o. Also 15 usc 1666 & 1666b. They are not abiding by the law. 

Out of the 7 inquiries only the XXXX XXXX inquiries are what Ive applied for. Ive been working on fixing the things on my credit now for almost a year. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX
Consumer complaint received 2022-08-31
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: SYNCHRONY FINANCIAL (OH)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section2 : 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 any purpose.
Consumer complaint received 2021-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MO)

On XX/XX/XXXX, I gave written notice of dispute to Clarity Services disputing multiple items of information as inaccurate and the result of identity theft. A XX/XX/XXXX consumer file disclosure did not identify those previously disputed items as " disputed, '' nor were those items deleted. As of the undersigned date, Clarity has refused to provide disclosure of 1 ) the reinvestigation procedures used to investigate the disputes, 2 ) identification of the business name and address contacted during its reinvestigation, or, 3 ) the business transaction records and applications evidencing the identity theft against this consumer, all pursuant to 15 U.S.C. Sections 1681i ( a ) ( 6 ) ( B ) ( iii ) ; 1681i ( a ) ( 7 ) ; 1681g ( a ) ( 2 ) ; and 1681g ( e ). Clarity has received correspondence from consumer consisting of a XX/XX/XXXX dispute ( which includes a XX/XX/XXXX request for disclosures and the XX/XX/XXXX dispute with exhibits ) and a third request for these disclosures made on XX/XX/XXXX.
Consumer complaint received 2021-12-27
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: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I filed a dispute in regards on incorrect information on my credit report, and it has been well over XXXX. I haven't received any investigation information regarding my report.
Consumer complaint received 2024-02-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Credit Karma (NC)

I have been a loyal Credit Karma account holder for years. Ive always had my IRS check deposited into this account with no issues. As of late many Credit Karma clients have had their accounts closed with no factors disclosed. If you check XXXX, you will see many clients have this issue with their account being locked while either having an IRS deposit on the way direct deposit on the way, or having funds already established in the account in which they have no access to.

According to the FDIC, we are entitled to our money up to a certain amount, so Im not understanding how this is legal, as well as possible. I have a current check on the way from the IRS that will deposit within XXXX business days but I wont be able to have access to it, as they have locked my account and refused to disclose any information as to why or how I can get it reopened. Its nearly impossible to get a hold of customer service via phone. This will be taken up to FDIC to get my wages sent to me in good hands. Hopefully it can include interest.
Consumer complaint received 2023-12-08
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I tried to use my BofA credit card on some purchases at the end of XXXX, but the charges were declined. Got in touch with the credit card customer service department and they informed me that my credit cards were closed. I went online trying to redeem the cash rewards that I accumulated, but the system won't allow, prompting me to call the phone number.

I called, and the customer service person can not help me with the redeem either. She said it might be due to the credit card closure, all rewards will be forfeited. I told her that I wasn't the person who closed the cards. BofA was the party decided to close them. If that was the case, they should honor and redeem all cash rewards that I earned. If they don't redeem me for the pending cash rewards because I haven't paid the credit card balance, I understood. But all cash rewards that I earned, I should be able to redeem them. The total cash rewards that I wasn't able to redeem is {$740.00}. Lots of monies in this kind of economy where everything is so expensive.

My advise to credit card consumers out there, redeem all your cash reward as soon as it is available. Do not accumulate and let them sit there. If the bank decides to close your accounts, you will lose all rewards you earned.
Consumer complaint received 2021-12-27
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: Lockhart, Morris & Montgomery Inc. (FL)

I filed a dispute in regards of the incorrect items on my credit report with the credit bureau, it has been well over 30days, and I haven't recieved any investigation results.
Consumer complaint received 2021-12-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

Citizens Bank continues to clear the larger debit prior to the little charges regardless of transaction time. This results in numerous overdraft charges instead of just the single one... They have told me that it is that way because the larger one may be more important. I don't see it that way and feel it is a very unfair practice. No real relief thru the Covid crisis which I also feel is terrible practice.
Consumer complaint received 2023-12-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (TX)

I am writing to file a formal complaint against Missouri Higher Education Loan Authority ( MOHELA ) regarding their failure to update my student loan account status as " paid in full '' despite the full repayment of the loan. My loan account reference number is XXXX, and I am deeply concerned about the inaccurate reporting of my account status. 

I successfully completed the repayment of my student loan with Mohela on XX/XX/. I have attached a copy of the paid-in-full confirmation ( the 1099-C Copy B ) that I received from the IRS/Mohela, which clearly indicates the cancellation of the debt. Despite this, my account on their platform still reflects an outstanding balance and does not reflect the accurate " paid in full '' status. 

This discrepancy has serious consequences for me, as it affects my credit report and financial standing. I have diligently fulfilled my obligation to repay the loan, and I expect accurate and timely reporting from Mohela to the credit bureaus. The failure to update my account status has the potential to harm my credit score and financial reputation. 

I have attempted to resolve this matter with Mohela directly by contacting their customer service at XXXX but they act like they didn't know what I was talking about. However, my efforts have been unsuccessful, and the issue remains unresolved. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that Mohela updates my account status to accurately reflect the paid-in-full status of my student loan. Additionally, I request that Mohela be held accountable for any potential harm caused to my credit score and financial standing due to their failure to report the accurate information. 

I appreciate your prompt attention to this matter and look forward to a resolution that ensures the accuracy of my credit report.
Consumer complaint received 2021-12-27
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: EQUIFAX, INC. (FL)

My XXXX  year of credit history is no longer available on my credit report. This information includes : 1. Loans : Loans repayments that were completely paid off on time as well as my mortgage payment history. 

2. Credit Cards : I had credit cards in my name which reflect a solid repayment history.

3. Mortgage : Mortgage repayments paid for two properties no longer appear on my credit report.

I am filing this complaint to have this information restored to my credit report as well as an adjustment to my credit score.
Consumer complaint received 2019-11-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Company claimed that the debt is mine. I never had an account with the company. They refuse to send me any information with my signature on it or original document/ contract with my signature on it agreeing to open claimed account. This false report is impacting my credit and ability to obtain a job and home.
Consumer complaint received 2023-12-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (GA)

When the REPAYE plan was switched to the SAVE plan, my payment went up not down, which made no sense. Additionally, it is significantly higher than ( 1 ) I was told it would be via the estimator, ( 2 ) I was counseled it would be by Mohela reps, ( 3 ) it should be based on the outlined calculation process, ( 4 ) similarly situated peers with similar income and debt.

In addition to not being able to articulate the reasoning for the payment amount continually adjusted to the higher rate, I also received a statement demanding payment for an even greater amount beyond what it states in my account is my monthly payment. Again, Mohela was unable to explain to me why the amount was upped.

I have spoken to no less than five representatives over the last three weeks. I have asked for calls back and they were never returned. I have spent over 7 hours on hold. I can not get a hold of anyone and when I do no one will provide me answers or documentation for the discrepancies.
Consumer complaint received 2021-12-27
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. (MD)

My name is XXXX XXXX. I pulled my credit report last XX/XX/2021 and notice some accounts reported inaccurately on my report. I already send multiple letters to the creditors and credit bureaus regarding the inaccurate reporting on my report for the past months and haven't received any response from them. I never gave them any written consent to report anything on my consumer report, and they haven't responded in over 30 days.
Consumer complaint received 2021-12-27
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. (MD)

My name is XXXX XXXX. I pulled my credit report last XX/XX/2021 and notice some accounts reported inaccurately on my report. I already send multiple letters to the creditors and credit bureaus regarding the inaccurate reporting on my report for the past months and haven't received any response from them. I never gave them any written consent to report anything on my consumer report, and they haven't responded in over 30 days.
Consumer complaint received 2021-12-27
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. (NY)

I disputed this allege account with XXXX XXXX XXXX who claims to be holder of allege debt. I requested documents from XXXX XXXX verifying this allege debt and that it is reporting accurately. XXXX XXXX XXXX never provided any proof that this is my debt or that they have authorization to even report this allege debt on my credit file.
Consumer complaint received 2021-12-27
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. (TX)

My latest Equifax report reflects serious reporting errors that are negatively effecting my credit standing. I made multiple attempts to have this information corrected by way of sending disputes to Equifax referencing these error. Equifax continually ignores, and refuses to correct these errors in spite of the factual based evidence of their FCRA non-compliance issues. My findings on my latest report that was sent to me by Equifax has once again certified falsified information that pertains to me in their credit reporting - The account in question is a XXXX XXXX installment account beginning : XXXX and ending : XXXX. This account was reported as paid in full in XXXX of 2021, yet on one latest report published by Equifax, they report a payment for XXXX of 2021, as well as a late payment in XXXX of 2021. On the report from XX/XX/2021, this same account that was paid and closed in XXXX of 2021, Equifax reports payments for XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. This is false reporting as this account does not even exist. No matter how many times I point out these inaccuracies to Equifax, they refuse to correct or remove the account from my credit file which they are bound by the FCRA to do. The 5 plus times I send these disputes to Equifax, they don't even look at them, their automated process continually violates my consumer rights, as well as publish falsified information. It is time for Equifax to hold themselves accountable for their actions as these reporting inaccuracies cause massive harm to consumers and can be remedied through costly litigation.
Consumer complaint received 2021-12-27
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. (AZ)

I have contacted Equifax to alert them regarding these unauthorized inquiries, listed below. 
XXXX XXXX, XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX  - Inquiry date : XX/XX/XXXX XXXX
Consumer complaint received 2021-12-27
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: LOBEL FINANCIAL CORPORATION (FL)

I filed a dispute in regards of the incorrect items on my credit report with the credit bureau, it has been well over 30days, and I haven't recieved any investigation results.
Consumer complaint received 2021-12-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America is reporting that I am XXXX past due even though the minimum was XXXX and I had paid XXXX towards the account. In XXXX I made a payment of XXXX, however this was apparently AFTER the cycle closed this making me late. No biggie I then redeemed XXXX worth of rewards. However the company is saying this does not count as a payment. I was never notified that I was late or past due nor do they provide an option for auto pay when you bank with them. I hold over XXXX with this bank. Making the payment was not an issue. The companies ability to communicate is not there and now as the consumer my credit report will be penalized. This is not fair. Had I of known or been alerted I would have corrected the mistake.
Consumer complaint received 2021-12-27
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. (SC)

XX/XX/XXXX, Transunion. This complaint is a responce from a complaint I made XXXX.Consumer Financial Protection Bureau XXXX XXXX. 
The conplaint stated these words.XXXX, Transunion did not DELETE the inaccurate account listed on my consumer credit report. I have attached my Transunion consumer credit report with this complaint as proof that the inaccurate accounts are still on my credit report. This report was recieved XX/XX/XXXX and issued out XX/XX/XXXX as stated on the upper right of the document attached. XXXX XXXXXXXX XXXX is a charge off account that is reporting a BALANCE of {$990.00}. A charge of should show as a XXXX BALANCE. That is inaccurate report as stated in the F.C.R.A 15 U.S code 1681. Portfolio Recovery is a collection account reporting as a OPEN ACCOUNT and it has a BALANCE of {$680.00}. A collection account should show a XXXX BALANCE. That is inaccurate report as stated in the F.C.R.A 15 U.S code 1681.XXXX  states the Opening Date was XX/XX/XXXX. The opened date is wrong. That is inaccurate report as stated in the F.C.R.A 15 U.S code 1681. I will keep my consumer credit and my copies just case these accounts are not deleted. Transunion responded and asked for I.D, social sercurity number and utility bill. I have attached that to this conplaint as proof. DELETE THE INACCURATE ACCOUNTS LISTED ABOVE
Consumer complaint received 2022-08-31
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: Experian Information Solutions Inc. (NV)

On XX/XX/22 I received a notification that a hard inquiry was done without my authorization. The company was XXXX XXXX XXXX XXXX