davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-07
Product: Credit reporting 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)

I ( The Consumer ) recently checked my credit reports for XXXX & Experian and noticed that there was information listed on my report that is in violation of The Fair Credit Reporting Act : " 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports Except as authorized under subsection ( b ), 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. Code 1681- Congressional findings and statement of purpose a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 
15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
P.L 90-321 ( 82 Stat. 146 ) which is law that backes the code is even stricter as it states that any agency can only get your report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ) 15 USC 6802 : Obligations with respect to disclosures of personal information : ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

I have attempted to reach out to both credit reporting agencies in regards to inquiries & improper information that are on my reports. To which they willfully did not comply with my requests. I hereby demand that XXXX XXXX XXXX provide me with the appropriate contract with my wet signature on it that gave them authorization to report anything referenced in the prospectus titled Credit letter XXXXXXXX XXXX Credit Letter Experian included in this complaint.
Consumer complaint received 2023-04-08
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. (MI)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX, MI XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$510.00} ; XXXXXXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$3100.00} ; XXXX XXXXXXXX Balance : {$480.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$500.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$720.00} ; ( Original XXXXXXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XX/XX/2021.
Consumer complaint received 2024-03-03
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)

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 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or update the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (GA)

Information sent to Mohela with no response You haven't answered the questions that were asked. You have breached your contract with the Department of Education. 

Title 15 Chapter 41 Issues 1 ) ~~1692g. Validation of debts You were asked to validate all debts and failed. You provided a note about a consolidation but you are required to validate those debts before attempting consolidation which was predatory as you could ONLY be approved for PSLF with a consolidation. 


2 ) ~~1692e. False or misleading representations You listed an incorrect payment schedule based on a hypothetical tier system that does not exist The tier system is not in any legal context you made that number up. 

3 ) ~~1681i. Procedure in case of disputed accuracy You did not fix incorrect information submitted to CRAs 41 U.S. Code ~~ 6503 issues Still incorrect on All CRAs 1 ) You breached the contract with DOE and didn't report to DOE or the contracting official as required FOIA request show XXXX didn't report information adequately and you used this inaccurate information in your reporting 2 ) You breached the contract with me concerning fair practice, communication, validation of debt, PSLF , negligence gross and and standard by providing false information that is part of a contractual agreement Fair Debt Collection Practices Act You attempted to collect debts either forgiven/ with incorrect values/ false number at multiple points in time.

1 ) XXXX  XXXX  2 ) XXXX  A and B This does not include state and local jurisdictional issues. I suggest you meet with the DOE and get your act together promptly As of XX/XX/ you still have Inaccurate information on your website/ written mail/ PSLF calculations/ and reported inaccurate information to CRAs this amount to negligence and is now gross after months of you doing nothing.
Consumer complaint received 2023-04-08
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. (CA)

When I reviewed my profile there are still erroneous items and I'm very upset about the result that I have received. May I know how you contacted the creditor for me to know the reasonable procedure you take to determine my disputes are BELONG to me and VERIFIED AS CORRECT information? Did the Furnisher confirm that the information posted in my file is correct? I never received any notice from these companies that my dispute is truly mine or correct. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or Rescind. Would you kindly remove these erroneous items for I believe they are reported erroneously in my file : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX : {$2500.00} XXXX XX/XX/XXXX
Consumer complaint received 2019-10-02
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. (TX)

Equifax ; XXXX and XXXX are reporting incorrectly a collection/charge-off in the amount of {$750.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I was never billed from the apartment complex and I was never given an itemization. I gave a ( 60 ) day notice to vacate the premises per the rental agreement and prior to leaving I verbally spoke with the complex manager and was told that everything was in order and that the premises was in excellent condition. This collection is being reported in error and is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not  been successful.
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 
Company information. XXXX XXXX  XXXX
Consumer complaint received 2023-04-08
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. (CA)

I recently reviewed my profile and Im very upset with the result that I have received. May I know how you contacted the creditor for me to know the reasonable procedure you take to determine my disputes are BELONG to me and VERIFIED AS CORRECT information? Did the Furnisher confirm that the information posted in my file is correct? I never received any notice from these companies that my dispute is truly mine or correct. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or Rescind.

Remove these Fraudulent items in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX Balance : {$380.00} XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2022-07-20
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXXXXXX Account # 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
Consumer complaint received 2023-04-08
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)

My merged credit report has inaccurate information.

I've tried tirelessly to get this information removed. According to 15 USC 1681 section 602 states, I have the right to privacy 15 USC 1681b permissible purpose section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without written instructions 15 USC 1666B : A creditor may not treat a payment on a credit account under an open-end consumer credit plan as a late payment for any purpose. 

XXXX XXXX XXXX Account number XXXX XXXX XXXX Transunion account number XXXX XXXX XXXX  XXXX XXXX Date of origination Transunion XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Last payment TransUnion XX/XX/XXXX XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX Creditor Type Trans Union XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX Credit Limit Trans Union {$23000.00} XXXX. {$23000.00} XXXX XXXX Date of last activity Transunion XX/XX/XXXX XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX Last payment TransUnion XX/XX/XXXX XXXX XX/XX/XXXX XXXX. XX/XX/XXXX
Consumer complaint received 2019-04-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank oF America Took {$720.00} from My Business Checking Account Without authorization, when I go to my Transaction over my statement there is a message that said an agent call me from Bank of America to proceed with The Debt that is not true, I never receive any calls from nobody. I call more than Five times to BOFA ( Bank Of America customer Service ) regards to my Credit card and they said my credit card was on collection company name XXXX XXXX, For that reason, I proceed to call them to try to make a settlement till now without any Answer. I was surprised when I check my account Yesterday and saw my checking account was almost clean by BOFA. I try to contact BOFA Agin and ask them why they took my money when my card was already on the collection and they said we have the right. This happened on XX/XX/2019 2019
Consumer complaint received 2019-04-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A. (FL)

on XX/XX/2019 My sister sent me XXXX from her XXXX account that uses XXXX. She used my cell phone number to locate my account. I have had a XXXX account for more than 20 years and I Have been using this cell phone number for about 10 years. When she did the transfer I received a text to my phone saying money was transferred to my account in PNC bank. I DO NOT have a pnc bank account. I don't know where the money went but it did not come to my account. I went to PNC bank and they couldn't help me because they said they could not find an account by phone number. I showed them the text which included the last four digits of the account the money was transferred to.
Consumer complaint received 2019-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (NY)

Thank you for your time. I used the Barclycard Arrival + card for payments at a hotel stay. This is travel card that advertises that travel-related expenses, specifically hotels, can be paid with points. When I tried to pay the card balance with points, the card company would not allow points. They said that this is not considered a travel expense because the merchant did not classify the charge as a travel expense. So even though it was clearly and admittedly at a hotel, they did not honor their promise to allow for points payments for hotel charges. They advertised one thing and got me to sign up, and in the small print they did something different. Deceptive.
Consumer complaint received 2018-06-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am a victim of fraud. 

On XX/XX/XXXX I sent a {$60.00} XXXX digital payment from my Bank of America account to someone's cell phone number to buy tickets for a XX/XX/XXXX XXXX XXXX concert at the XXXX music venue in XXXX XXXX. 

The tickets were non existent. I was scammed. 

I reached out to Bank of America who claims all debit card transactions are covered. But after they responded that the investigation was closed because I initiated the transfer. I am a long time customer and I feel scammed by Bank of America too. I am very upset. I am an over 20 year customer with Bank of America. 

On XX/XX/XXXX I sent {$60.00} to this fraudulent person, XXXX XXXX at this number XXXX. The cell number this person was using to communicate is XXXX. 

I would like Bank of America to step up and tell us that they don't cover everything. And that they don't cover XXXX digital payments. I would like a {$60.00} courtesy refund from Bank of America.
Consumer complaint received 2019-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

XXXX  ; Experian and XXXX  are reporting incorrectly a collection/charge-off in the amount of {$750.00} on the XXXX XXXX   partial account number XXXX. ( Please see page attached from my credit report. ) I was never billed from the apartment complex and I was never given an itemization. I gave a ( 60 ) day notice to vacate the premises per the rental agreement and prior to leaving I verbally spoke with the complex manager and was told that everything was in order and that the premises was in excellent condition. This collection is being reported in error and is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 )  bureaus to remove this however, I have not been successful.
Consumer complaint received 2019-04-05
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. (SC)

My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Hello, I have been working with Portfolio Recovery, they are saying I owe 3 different amounts ; {$2900.00}, {$870.00}, and {$420.00}. I have been in contact with them since XX/XX/2021, they have yet to verify the debt. They tried to take me to small claims court, but dropped the case. They keep telling me the dept is " verified '' without actually verifying it or telling me how they verified this.
Consumer complaint received 2019-10-02
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 (IL)

I am a Bank of America customer. I had two fraud claims on my checking account. It is under my debit card number XXXX XXXX XXXX XXXX. I was given a temporary credit because this was fraud. I noticed that last week BOA debited my checking account for these fraud charges. I called last Friday, XXXX XXXX, and was very upset because when they did this, it overdrew my bank account. I was told they did this because they tried to call me to ask a couple of questions and couldn't reach me. I Never received a message from the bank. The girl asked me the questions and said they would reopen the claims and straighten this out in my account by Monday, XX/XX/XXXX. Well, they reopened claims and left my bank account in the negative status. I was livid. I had creditors coming thru for payment and BOA was bouncing my checks. I then was charged by my creditors and BOA charged me {$35.00} for that. What a slap in the face!! I am a senior citizen and my health insurance payment hit. My retirement money went into that account and BOA bounced that. I have serious health issues and will sue them if this doesn't get straightened out right away. I have called BOA everyday trying to get this matter resolved. Now they are telling me they are going to keep my account overdrawn until they finish the claims process. This is outrageous and no way to treat a long time customer who had legitimate fraud issues on her account. I told BOA this morning that I was reporting them to you and I also threatened to close all my accounts if this matter isn't resolved right away. I have been lied to, kept on hold for over an hour at a time or more, and not given any help or hope for help. Now they have put my health in jeopardy by not paying my health insurance. They are the worst.
Consumer complaint received 2019-10-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Premier Student Loan Center (MA)

I signed up with a Document Preparation company called Premier Student Loan Center to help lower my student loans. The first payment started around XX/XX/2018 where they charged me over {$200.00} a month for the first five months or so, then my payments lowered. Since XX/XX/2018, I have been making monthly payments to them and to my student loan lender. 

Although my payments are low/affordable, I am worried that information may have been falsified to lower my loans and the fact that they are charging me monthly isn't right either.
Consumer complaint received 2019-04-05
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: ONEMAIN FINANCIAL HOLDINGS, LLC. (IL)

I obtained a copy of my XXXX  credit report and observed a credit inquiry from one main financial on XX/XX/2017 which I did not authorize and is having a negative impact on my credit history.one main financial has not given me written documented proof I consented to these hard inquiries as required per section 605 and section 609 of the federal credit reporting act and proof of accuracy of inquiries as required per section 623 of the federal credit reporting act..I have been a victim of identity theft in the past per my fraud alert on my XXXX report