davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (AL)

In an effort to solve the issue described in my previous CFPB complaint, I gave MOHELA a call. After patiently waiting on hold for more than 2 hours, I asked customer service why my SAVE payment was so high. They did not know and told me they would recalculate my payment while I was put on administrative forbearance. 

Shortly after, I got a written notification from MOHELA that they needed 90 additional days to process my payment. This is unacceptable. They sure did send me my bill quickly.
Consumer complaint received 2023-07-01
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc. (OK)

I had a payment agreement with original creditor they did not lower the debt with the payments I was making. I had several health issues at the time did not know I could do anything about it. They sold my debt but not the correct amount. I have fought this with every debt collector in the 7 years and instead of correcting it they sell it and report it as new debt. I have contacted this company and tried to fix it they refuse and instead are doing the same.
Consumer complaint received 2023-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, 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 15 U.S.C 1681c. ( 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 information is inaccurate.
Consumer complaint received 2024-03-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-07-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CULLEN/FROST BANKERS, INC. (TX)

A bank account was opened by Frost Bank that was not authorized by me. I received a debit card in XXXX and bank statement on XXXX with a total of XXXX. A second bank statement issued on XXXX shows activity that I did not do or initiate. There are XXXX electronic deposits through XXXX for account verification of XXXX and XXXX on XXXX. There is a electronic deposit transfer of XXXX for XXXX. I never authorized opening this account and plan to contact the bank to investigate how it was opened and to cancel the account.
Consumer complaint received 2023-06-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Fraudulent transactions were charged on my debit card ending in XXXX. Two different rental car merchants, also international fees as well. I work 6 days a week in XXXX VA with XXXX XXXX XXXX, and I own a vehicle. After the international transaction, I reported my card with the fraud department of Bank of America. I was in the process of waiting for a new card, 12 days or so later, another transaction from a car rental charged my compromised card, XXXX XXXX and left me in the negative for over 2 weeks, in the midst of me waiting for a new card to arrive at my home. I contacted the merchant, and the merchant claimed, I did this transaction over the phone. Bank of America claims, I have a signed contract with this merchant. I requested for all paperwork to be mailed to my home as I am presently waiting for. Contradiction number 1. I had direct deposit with BofA and it took me out the minus while still waiting for them to come to a decision about giving me my money back. I went to the bank personally and sat with my banker, XXXX XXXX over an hour, about every fraudulent transaction, which she was my banking online did not match whats on my compromised card. Contradiction number 2. How can my bank still let a merchant get into my account through a compromised card, without overdraft protection which left me XXXX in the minus for over 2 weeks? After opening the claim, which had been open over a month without credit, nor a real explanation why, leaves me to believe, this is an inside job, with someone who works with BofA that has direct contact with this fraudulent merchant. Why I say this, is because, after a month later, not even 3 days ago, the same merchant went into my account again, and minused me another XXXX . How, when I am two debit cards later after this compromised card, had been reported, and not only is my XXXX dollars missing, but now Im minus again at XXXX XXXX? Im tired, Im stressed and it is causing me a hardship for reporting to my job. I need help, can someone help me? Im going to the police to file a report on the bank as well as the merchant. Ive been banking with this bank for over 10 years.
Consumer complaint received 2023-06-29
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: NAVY FEDERAL CREDIT UNION (SC)

On XX/XX/2023 I have an inquiry on my report from navy federal that I never applied for. The information is inaccurate and I would like to have this inquiry removed and corrected
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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 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 2019-11-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (MI)

It was a classic bad check scam. I received and cashed a bad check from XXXX XXXX in my local Chase bank for {$3800.00} on XXXX XX/XX/2019, and was asked to transfer {$2000.00} of the check to someone else. I made the transfer on XXXX XX/XX/2019 via XXXX. The check bounced, and I lost my {$2000.00}. I filed a police report with the XXXX XXXX Police Department and reported the incident to Chase as well. However, Chase was unable to do anything about the XXXX transaction despite XXXX being a product produced by a consortium of banks, including Chase.
Consumer complaint received 2023-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

CAPITAL ONE-VENTURE CARD, ACCEPTED MY PAYMENT BUT FAILED TO CREDIT MY ACCOUNT AND CLOSED MY ACCOUNT. 3949-A HAS BEEN SUBMITTED TO THE IRS AND TREASURY DEPARTMENT XXXX 
Failure to honor, credit the intended account has caused loss injury and harm. An offer of performance was tendered, in good faith as full satisfaction of the claim referenced herein, with the intent of extinguishing any alleged debt, duty, obligation, or liability. It is their duty to honor this instrument, to know, abide by, and operate under the law, 18 USC 8 applies.

This Note, credit agreements, bills of exchange and checks are defined as legal tender, or money, by the statutes such as 12 USC 1813 ( 1 ) ( 1 ), UCC 1-201 ( 24 ), 3-104, 8-102 ( 9 ), 9-102 ( 9 ), ( 11 ), ( 12 ) b, ( 49 ), ( 64 ) .PITAL ONE-VENTURE CARD
Consumer complaint received 2023-10-24
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Confusing or missing disclosures
Company: FIRST NATIONAL BANK OF OMAHA (TX)

My complaint is regarding following bank and this personal banker working there : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- First National Bank of Omaha XXXX XXXX XXXX XXXX, TX XXXX XXXX Tool Free : XXXX fnbo.com -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - This bank has a branch in Texas and XXXX 5.5 % interest rate on all CD accounts. 
On Saturday, XXXX XXXX, I went to this branch and met Personal Banker XXXX XXXX XXXX XXXX 
she convinced me that interest rates on XXXX and 17 months XXXX 's are 5.5 %. 
Based on what she said, I decided to proceed and deposit my money in a XXXX account for 7 months. then she printed a few pages and highlighted 5.5 % rate on all those pages and asked me to sign the contract. 
I signed them all based on trusting her ; thinking that she is an honest person and is functioning as a banker. 
Then after signing all documents, she disclosed to me that my actual interest rate for 7 months on this CD will be 5.28 % not 5.5 %!. 
I told her '' why didn't you disclose this difference earlier before I sign all your papers? '' In response she said : '' 5.5 % is Annual Percentage Yield on this account not on your CD ''. 
I confronted her and said : '' this should have been discussed and disclosed earlier before I sign all your documents and this is a prime example of misleading and fraudulent activity that I did not expected to see from a banker or a banking XXXX ''. 
When I told her that I will file a formal complaint, she responded : '' I have been doing this for many years and have never had any problem so far ''.
Consumer complaint received 2024-03-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I '' m a victim of fraud and this collection company is trying to collect a debt thats was ope Fraudulently. I repeatedly ask the collection company for validation of the debt that is competent evidence bearing my signature, Proof of identification ( Driver 's License or other form of Government ID }, a letter of sale or assignment from the original creditor to their company and that I ever had some contractual obligation to pay them.Those collections Consist of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-12
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: Cascade CISS Holdings, LLC (LA)

By obtaining my CREDIT BUREAU consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. XXXX ) I have not initiated any transaction with. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with for review or collection.

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.
Consumer complaint received 2023-07-21
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)

XX/XX/XXXXXXXX  Transunion is showing a account from XXXX XXXX  as being closed. I contacted XXXX XXXX  and was told that the account was paid off and they had sent me a letter of pay off along with the contract stating it was paid off. I let Transunion know and started a dispute. Along with documents stating that the account was paid off and not closed. XX/XX/XXXX Received Dispute report stating INVESTIGATION RESULTS-VERIFIED AS ACCURATE AND UPDATED. Credit report is still showing account as closed. This is affecting my score. The account was paid in full. XXXX XXXX  {$10000.00} loan paid in full XXXX and XXXX both show the account as paid off.
Consumer complaint received 2024-03-12
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Discovering an error implying a late payment on my account is troubling, especially given my history of consistently meeting payment deadlines. This discrepancy is causing undue stress, and I urge you to promptly address it by ensuring my records accurately reflect my payment history.
Consumer complaint received 2023-06-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ENOVA INTERNATIONAL, INC. (NJ)

I applied for a loan of XX/XX/23 after receiving an emailing stating I was prequalified. I applied and was approved for an installment loan of {$4300.00} and a LOC over XXXX. I decided the installment loan and went forward with signing of a contract. I was given a loan no and an acct # Loan No. : XXXX Account ID : XXXX. This company then did a hard pull on my credit file with the bureaus.
Consumer complaint received 2023-10-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (IL)

I saw this offer from XXXX about used XXXXXXXX XXXX XXXX for {$750.00}, I negotiated with the seller to {$600.00} and he agreed to it, then we exchanged phone numbers so we could communicate easily. I structured 3 payments on XXXX from my chase bank, {$350.00} ( Transaction ID XXXX ) for him to send the phone, {$150.00} ( Transaction ID XXXX ) after he mailed the phone, and {$100.00} after I got it. He sent me a USPS tracking number XXXX and when I saw the status that the package hadn't been handed off, he told me to wait for the next day which was the first time I had my suspicion and the next day when I contacted him, I realized he blocked me. I tried to contact him ( XXXX ) XXXX with another phone number and he responded to me saying I was weird and I need to calm down, he sent me his ID and SSN, his name is XXXX, XXXX XXXX XXXX. I felt more relaxed after he gave me his ID but then he also blocked me on that number and when I tried to contact the number again, his number is gone and a new guy has that phone number.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-02-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

fraudulent inquiries and address on my credit report, and the credit bureaus are reporting it without a permissible purpose. 

The inquiries and address are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-25
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. (MD)

I do not believe the current status of the card to be correct, on XX/XX/XXXX I submitted a request for a detailed account record and as of today XX/XX/XXXX I have received no response from the card issuer. Per the FCRA I am due fair, true, and accurate reporting of any credit lines, and am due to have this verified and back to me within 30 days of my formal request. This is in violation of my rights as a consumer and needs to be addressed. There is also a credit reporting mismatch as the account was reported to Transunion, and XXXX but never to XXXX. Per the FCRA any and all accounts must be reported accurately across the three credit bureaus, as it stands this account never was per its update in XXXX. Also per the Fcra the bureaus can be held to civil penalties for non-compliance.
Consumer complaint received 2023-10-06
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. (LA)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-06
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: EQUIFAX, INC. (GA)

I did not give XXXX XXXX XXXX permission to share my personal information with any other third parties. I wrote them asking for disclosures that I signed that gave them permission to share my information with the top three credit reporting agencies. I have not received a response as of yet.
Consumer complaint received 2022-05-19
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 : accounts not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$3700.00} Status Account charged off. {$3800.00} written off. {$3700.00} past due as of XX/XX/XXXX. 

FCRA violations : payments never late XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1500.00} Status Open.
Consumer complaint received 2023-10-05
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. (AL)

On XX/XX/XXXX I filed a dispute regarding inaccurate items on my credit report with Equifax and supporting documents to back up my claim. They updated my account with inaccurate information
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX Account Number : XXXX XXXX XXXX, XXXX Account Number : XXXX XXXX XXXX XXXX  XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account name : XXXX XXXX XXXX XXXX XXXX Account name XXXX XXXXXXXX XXXX XXXX XXXX, Account name XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX DEPARTMENT OF EDUCATION XXXX XXXX, Account name : XXXX XXXX XXXX  XXXX XXXX Account name : XXXXXXXX XXXX XXXX. Account name : XXXX XXXX XXXX XXXXXXXX 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 15 U.S.C 1681c. ( 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 information is inaccurate.