davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (NY)

I, XXXX XXXX, applied for student loan forgiveness months ago through the XXXX XXXX XXXX XXXX ( PSLF ) Program. The deadline to submit the app is XX/XX/22. Per Mohela 's phone recording, I never submitted an application nor do I have any student loans! I called and called and called and have been on hold for hours and then Mohela disconnects the call. It seems that they aren't taking any incoming calls at all anymore despite getting a very hefty government contract to manage this program. 

Mohela is supposed to provide a basic service and hopefully some decency in this process. I've even tried to send a secure message via XXXX- it says to call. I call- it says my call can't be answered. I try to DM via XXXX, but they XXXX their messaging. I've also DM 'd on XXXX no response! What am I supposed to do to get in contact with them to actualize my application and to just make sure it's even received? Mohela is systematically blocking access to this program, which XXXX XXXX put in place to make accessible to those of us who qualify, but we, the public servants, who dedicated our lives to serving our communities are denied qualifying for programs because of organizations like Mohela who work to block access. We as a society have been traumatized enough and dangling these programs without actually proving accessibility to them until after the deadline should be criminal.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these accounts to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (FL)

On XXXX/XXXX/2022, XXXX XXXX, Branch XXXX at PNC Bank refused to dispense funds from my checking account after I provided my valid government issued identification and debit card. He insisted that I come in the branch to complete paperwork. I am XXXX and have mobility difficulty that I am overcoming. XXXX asserted that even if I came into the branch, no one was available to help me indefinetly. I was effectively denied service. Please help me get my funds.
Consumer complaint received 2022-10-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (AZ)

My sister passed away without a will or assigned beneficiary. Her next of kin or survivor is her XXXX XXXX XXXX son. Her total assets is {$200.00}, making her estate non-probate in the state of Arizona. Chime is refusing to release the funds from the account addressed to her survivors name without probate paperwork. They are requesting a small estate affidavit and they do not have a payable on death affidavit or beneficiary procedures. XXXX is refusing to release funds outside of her estate name without the court paperwork. To file for a Small Estate Affidavit, it is {$350.00}, which is more than her total assets of {$200.00}. 
Chime has refused to speak over the phone, refused to escalate the issue to supervisors or higher ups, and will not discuss this further. 
From what I understand according to AZ state laws regarding rights of survivorship, intestate succession, and legal heirs, her son shouldnt have to follow any court procedures to receive these assets. Weve provided a signed statement of death from the funeral director, certificate of death and identification, however Chime still will not issue the funds to the legal heir under non-probate laws, Arizona XXXX XXXX laws, and whichever may apply to this situation.
Consumer complaint received 2022-10-26
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (KY)

I had an account with PNC BANK and for the last few years I had a problem with overdraft charges, several due to slow posting of withdrawals. I would check account and it was fine and then I would get several NSF charges due to not posting correctly. I had several small pmts and they posted larger ones and made smaller ones msg. They posted and cleared a check and then 3 days later backed it off. Please help
Consumer complaint received 2024-02-15
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: Experian Information Solutions Inc. (TX)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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





UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (WA)

I have contacted all XXXX credit bureaus via phone and mail over the past XXXX years to try and establish my credit report, which doesn't seem to exist. I have sent information by mail to establish my identity ( 2020 ), but I still can not access my credit report in any bureau.
Consumer complaint received 2017-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (VA)

Personal information was compromised by the breach of Equifax secure servers. The company has offered some mitigation but has required waiving rights to pursue legal recourse. The company has been grossly negligent and should not be exempt from damages. It should have protected consumer personal and financial information and accept responsibility for shoddy cyber security. It must provide credit monitoring and identity theft protections and be able to compensate consumers for any losses they incur as a result of Equifax XXXX
Consumer complaint received 2016-01-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I called into transunion in XXXX and spoke with a supervisor about XXXX XXXX accounts that I had that where due to come off my report. I told him that the open date and the date of first delinquency was wrong and according to my records, it was time for them to come off my report. The supervisor told me that if I called back in XXXX of 2016 and requested a supervisor to look at the accounts, they would remove them immediately. I was ok with this because it was only a few months. I called back today and requested a supervisor. I told him what I was told in XXXX and that I wanted them removed. He looked at the accounts and told me that because of the dates they have reported, it would be XXXX of this year before they would be removed. That is not what I was told and the dates of the accounts being opened are not the same as what they where when I called in XXXX. I think that is the reason why this supervisor said they wouldnt be removed for another 10 months now. There is also a collection associated with XXXX of these accounts that should be removed as well because of the dates of first delinquency. The accounts are XXXX with account number XXXX, XXXX with account number XXXX, XXXX with account number XXXX, and XXXX XXXX with account number XXXX. All XXXX XXXX accounts where opened on the same date and the last payment was made at the same time. This was over 7 years ago which means they should be removed according to the FCRA. I just want the accounts removed like they said they would do since it is past the time they should be reported. I do not want them disputed as I did that already and I think that is what caused the dates to moved and now I am having problems getting them removed. Transunion needs to honor what they say and remove all XXXX accounts since again, they are past the time that they should be reporting.
Consumer complaint received 2021-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: HSBC NORTH AMERICA HOLDINGS INC. (AZ)

HSBC BANK USA DID A CHARGE BACK ON MY ACCOUNT FOR PURCHASE FOR XXXX  PHONE SERVICE. THE PURCHASE WAS ON XX/XX/XXXX FOR {$80.00}. THE CHARGE BACK WAS ON XX/XX/XXXX. THE BOTTOM LINE IS I HAD TO PAY XXXX  TWO TIMES WITH THE CREDIT CARD AND GOT CREDIT FOR ONE, I CALLED XXXX  ON XX/XX/XXXX, AND THEY ADVISED THAT THE SERVICE WOULD BE DISCONNECTED ON XX/XX/XXXX IF I DID NOT PAY. I ADVISED I PAID BACK ON XX/XX/XXXX. THEY ADVISED HSBC BANK DID A CHARGE BACK. THE BOTTOM LINE IS {$80.00} IS MISSING. I CALLED HSBC ON XX/XX/XXXX AND ADVISED THERE WOULD BE A CREDIT FOR {$80.00} ON THE CREDIT CARD. I AM OUT {$80.00} FOR SHADY DEALINGS WITH THIS COMPANY. I WANT {$80.00} BACK ON MY ACCOUNT AS A CREDIT.. I CALLED HSBC ON XX/XX/XXXX AND THEY ADVISED THEY WOULD CALL BACK. I HAVE BEEN HUNG UP NUMEROUS TIMES AND NOBODY CALLED ME BACK
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I have contacted all XXXX credit bureaus via phone and mail over the past 3 years to try and establish my credit report, which doesn't seem to exist. I have sent information by mail to establish my identity ( 2020 ), but I still can not access my credit report in any bureau.
Consumer complaint received 2022-10-17
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. (GA)

Inquires that are not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX
Consumer complaint received 2022-10-12
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. (IL)

I contacted the three credit bureau about an account on my report. Its been over 30 days and I still havent heard anything back from the company nor the three credit bureaus
Consumer complaint received 2023-07-30
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 — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO. (GA)

This company JP MORGAN CHASE BANK has closed my previous dispute without an explanation as to why they are reporting ACH Credits and debits to EARLY WARNING SERVICES ( Another offender who has no rights to show my transaction history without my written consent ). Reporting transaction History is Illegal per 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. 
They have violated my rights due to P.L 90-321 ( 82 Stat. 146 ), 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 ).

As the previous rep for chase said that my account was CLOSED there for contract void and my personal information should not be used unless its a GOVERNMENT Agency which XXXX XXXX XXXX is not. This violation is considered IDENTITY THEFT 18 U.S. Code 1028A - Aggravated identity theft -- - 12 CFR 1022.

Identity theft means a fraud committed or attempted using the identifying information of another person without authority.

Anything added to your report without your written consent could be considered Identity theft.

I would like the executive of of CHASE that sent me this email that states " We received your complaint to the Consumer Financial Protection Bureau. I am the point of contact for your case number XXXX and will respond to you in writing when our research is complete. Thank you for sharing your concerns '' to follow up in writing after the research is complete as stated in their correspondence before closing this complaint the following questions will need to be answered to the following : 1. Why a closed account is still actively reporting transaction history?

2. Why written communication was not given after research?

3. Evidence that my account was closed on their system in form of ledger?

4. What does 15 U.S. Code 1681b - Permissible purposes of consumer report means?

5. Are they aware of over 20 violations of transaction history has been reported to a non governmental agency- I pulled the Agency 4506a IRS report in regards to government tax exempt status which they have none!
Consumer complaint received 2022-10-12
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 15 USC 1681. 

XXXX XXXX XXXX- Account Number : 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 2019-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION (TX)

I tried to open a savings account with a credit union but was blocked due to a XXXX XXXX charge-off from Fifth Third Bank saying I owe {$140.00}. I have never had an account with Fifth Third Bank. In the past few years up till XXXX, I have had multiple credit checks without this issue being flagged. I have had first-time homeowner counseling with a HUD-approved non-profit in early XXXX and this issue was never flagged. 
In the past month, Fifth Third bought out MB Financial, which my parents had an account with in the past but their account was closed in 2014 and they paid any balance owed. I have never had an MB Financial account. Fifth Third Bank is claiming a balance on an account that never existed and is not  giving me documentation saying that I do not owe them the amount.
Consumer complaint received 2023-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (FL)

I requested a full copy of my credit report. The {$4.00} product had everything split apart not on one form. I called 2 days to cancel and got resistance from the rep and the supervisor XXXX XXXX I said I can receive a free copy each year I do not need to be charged. I was left on a long hold then transfer to someone who said he would send a free report. He emailed me a form I filled it out and he did not explain to attach the docs license etc first. He said he cant help me. I asked for supervisor he said he is one and I have to do it by mail. I hung up furious and filed this. I did not get a full report with score. They fight to refund your {$4.00}. Its the principle if they do this to hundreds of customers this is not fair.
Consumer complaint received 2022-10-17
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. (NY)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-07-31
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (TX)

Ive sent several certified letters to Midland Credit with no return assistance from them. They are showing to have on my Credit Profile 4 accounts in which I have no knowledge of. I have never signed and agreement with Midland Credit nor do I owe Midland Credit anything. I send them a very detailed " Certified '' letter asking for the following infomation- Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 

and I have not seen anything to date. I know we are to give 30 to 45 days but this has been going on for about a year and half and I have yet to receive any correspondence from them. This is not fair for me nor any other consumer finding themselves in this situation with Midland Credit.
Consumer complaint received 2019-08-26
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. (MD)

Upon reviewing my credit report from Equifax, XXXX, XXXX, there were multiple inquiries I did not authorize. I believe someone used my information and attempted to apply for credit with these companies. I have challenged these inquiries with the credit bureaus and they have come back erroneously verified from the following companies XXXX, XXXX XXXX XXXX, and Equifax Mortgage.