davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-31
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. (FL)

I recently looked over my credit report and I noticed some inaccurate accounts reporting on my credit file. These derogatory accounts do not belong to me and I have no knowledge of these accounts. I have no understanding of how or who would have access to my credit. Now because of this, I have no chance of obtaining new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed from my credit file.
Consumer complaint received 2017-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

XXXX XXXX, 2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX To Whom It May Concern : I am writing to correct my personal information on file with your company. Please update my name with the correct spelling : XXXX XXXX XXXX Please remove employers and phone numbers as they are not relevant to my credit history. Please update my address to : XXXX XXXX XXXX XXXX XXXX, NC XXXX Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. I have tried numerous times to get this remove and they will not comply.
Consumer complaint received 2015-10-13
Product: Prepaid card — Payroll card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC (ID)

Rushcard..A supposed update that was to be completed in XXXX hours has left me and many other customers with XXXX access to or funds and deposits. I am being evicted because of this and still do n't have money to move or feed my family even. I want my money and compensating in the form of first months rent and deposit on a place to live and some groceries!
Consumer complaint received 2022-04-05
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: AMERICAN HONDA FINANCE CORP (IL)

I have fraudulent inquiries on my credit report on XXXX from the following lenders : XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. And on the date of XXXX XXXX is also a fraudulent inquiry.
Consumer complaint received 2020-10-11
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (IL)

I have been struggling with this company to remove late fees from my account, as I was taking care of myself and my family due to COVID-19 hardships. In the history of my payments, I have always been on time, but this company has been indiscriminate, without paying any attention to the transactions being posted as Late Fees on the same day as the due date. My payment due date was XX/XX/2020, being the XXXX of every month ; and they slammed me with the late fee on the same day, even though my statement closing date is XX/XX/2020, the XXXX of every month. Based on the simple principle of accounting, no late fees should have been charged and put on my account until the statement closing date. But this is not the case. They are charging {$40.00} and adding it to my balance.
Consumer complaint received 2019-10-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CA)

The complaint is being filed in accordance with the letter you recently received from 23 US Senators regarding the mismanagement of the student loan forgiveness PSLF program by the loan servicer, the Pennsylvania Higher Education Assistance Agency. 

I am one of the 99 % of people who have qualified for forgiveness of student loans under the PSLF program, but are being denied due to the missteps, errors and mismanagement of the PSLF program. If properly managed my student loans would have been forgiven in XX/XX/XXXX under the PSLF program. Yet, I continue to make regular and consecutive payments 2 years after qualifying for forgiveness. I have made the required 120 payments to the Department of Education ( DOED ) and have worked full time at a qualifying employer. I made these payments since XX/XX/XXXX through XX/XX/XXXX, while being employed at XXXX XXXX XXXX XXXX, XXXX. I received a Fedloan Qualifying letter clearly stating that I have met the terms outlined in the programs guidelines, see the attached pages 2-3 and have proof of payments made to DOED, compiled by my bank, XXXX   XXXX XXXX XXXX, see attached pages 4-7. 

Shortly after receiving the qualifying letter the forgiveness was later denied, due to an arbitrary rule that the first 105 payments made to the DOED were of the Direct Loan type and considered non-qualifying. This hardly seems non-qualifying since all of the payments went directly the DOED, regardless of whether Direct Loans or Fedloan was managing the loan. I then appealed the denial and requested a reevaluation of my loan forgiveness to Fedloan in XXXX of XXXX, see attached page 8. I have had no further correspondence from Fedloan since this request was made regarding my reevaluation.
Consumer complaint received 2019-10-31
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AR)

I WAS SUED IN 2011 FROM XXXX XXXX XXXX FOR TWO BANK OF AMERICA CREDIT CARDS..NOW THIER IS 2 JUDGEMENTS. THESE ARE LISTED IN BK. XXXX
Consumer complaint received 2020-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was billed {$27.00} for no reason. I never agreed to a membership. I was forced to put my credit card info in just to sign in. Then at no time did they have a page that notified me I was about to be charged {$27.00}. At no time did they ask me to confirm my order.
Consumer complaint received 2019-10-31
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CO)

I refunded a purchase on XX/XX/XXXX in the amount of XXXX. the credit from the merchant hit the card on XX/XX/19, immediately followed by a debit ( charge ) for the same amount fr American Express , titled a " merchant credit hold for review ''. This is the second time in several weeks they have done this to a refund from a merchant. It states the hold will last " up to '' seven days. The last hold kept my money in limbo for the entire week. I have contacted American Express and spoken to four different people, several supervisors, and even on their XXXX channel. They blame it on the merchant 's bank account and say they haven't actually received the funds from the merchant. This is a lie. The online account shows it is Amex placing the hold on finds and shows the funds coming back from the merchant
Consumer complaint received 2019-10-31
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. (UT)

XXXX XXXX XXXX # XXXX is reporting a late in XX/XX/19 that I should not owe. I paid this online and was never informed that the payment did not go through, and I did not realize it was marked as late until I had my credit pulled later. This is not my fault and I would like this late removed.
Consumer complaint received 2023-01-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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 : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-07-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I transferred {$1000.00} from my bank at Bank of America account on XXXX XXXX 2017 thru my mobile application to my bank account in XXXX. The money never made it to the account in XXXX due to a misspelling in my first name. After 2 weeks I called Bank of America in the us they kept passing me around making me reidentify myself every time and retelling the same story over and over again.they finally promessed me that the money would be send back to my us account. A week later I called again and was put on hold for 45 minutes without being able to talk to anyone .i would appreciate anything you could do to get my money back Thank you
Consumer complaint received 2023-07-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TX)

I initially applied for homeowners assistance program, and they were taking long to resolve the issue and the mortgage servicer Mr. Cooper offered a loan modification and so I agreed but a few days later the assistance program was able to pay the remaining balance. I called Mr. Copper several times, and emailed them to cancel the modification and it still has not been canceled. I have not been able to see my account, nor have they generated a new analysis so that I can see my account. Attached is the only thing I could see since XXXX.
Consumer complaint received 2019-10-31
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. (GA)

Yesterday I went to the car dealership and test drove a couple of cars. I'm in deep thought of getting a new vehicle. I went home and checked my credit report just to make sure my score is up to par. While doing so I noticed a couple of items on my credit report that are not mine. This is unacceptable. I need these items deleted from my report. I'm working on this all on my own. I contacted the police and FTC. These are the 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. inquiries : 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 2019-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: FIRST ADVANTAGE CORPORATION (IL)

My background check for a job was finished today XX/XX/XXXX. It seems they can't prove my current or past employment without simply dialing a phone number. I am 50 % owner of XXXX XXXX  back to XXXX. When we opened our dba was XXXX XXXX XXXX and around 3 years or so ago XXXX XXXX XXXX   pulled our contract as we were a franchise and they were selling their entire company. XXXX   rebranded as XXXX XXXX XXXX XXXX with myself still 50 % owner. During this background check we were relocating and haven't been open for the last 3 months.The phone number I supplied them with wasn't active at the time or was a temporary phone number until we could get our old one back. I contacted First Advantage and explained this and provided them with my business partners ' phone numbers yet my partners ' said they were never contacted. The store just reopened today and I have the temporary phone number but fear in contacting them again nothing will be done. Also in validating my SSOC number they listed my old business address of XXXX XXXX XXXX XXXX XXXX Illinois XXXX which was XXXX XXXX XXXX   and XXXX XXXX XXXX XXXX  ( the place we just moved out of a few month ) ago as one of my residential addresses. This is incorrect. Also during the same process they listed an end date to my residence I have been at for 15 years and am still at paying a mortgage on.
Consumer complaint received 2019-10-31
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA (IL)

Around XXXX of XXXX MOHELA, the company that bought my student loan a few years ago, increased my monthly payment on my Income Contingent Repayment Plan by over {$1000.00} without notifying me. Because they did not notify me of the increase, I continued paying the same amount that I had been paying for the last 16 plus years. I found out about this $ 1000 monthly increase in XXXX of XXXX when I tried to get a loan for a house and I was told that my credit had a problem. The problem was that MOHELA had reported that I had missed 3 monthly payments. 
At that time I contacted MOHELA and they immediately corrected the payment to reflect the exact same amount that it had been for the previous 16 plus years. MOHELA then sent me a letter that said I was in good standing. HOWEVER, they did not rescind the notifications they previously sent to the various credit reporting agencies. Due to the fact that the notifications they sent were not accurate, I disputed their claim that I had a late payment. I contacted XXXX, XXXX  and XXXX. But MOHELA refused to rescind their notifications with any of these agencies. 
This led to a correspondence between MOHELA and myself that lasted several months that involved MOHELA giving me the run around. 
So I filed a complaint with the XXXX XXXX XXXX. Still MOHELA refused to rescind the inaccurate notices to the credit reporting agencies. My credit score is still hurting because of this.
Consumer complaint received 2017-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

In XXXX this year Bank of America sent a letter notifying me that my credit card was included in some kind of security breach or fraud and that they would be changing to a new credit card account. I received this card in the mail a few weeks later. I use XXXX XXXX Bill Pay to pay the credit card by the due dates. Since they changed the account I had not changed it on the Bill Pay and it the payments were rejected for two months. I received no phone calls or letters notifying me of the missed payment until it was right before the second payment would be late. They have since reported the missed payment to XXXX credit reporting agency as more than 60 days late. I have tried multiple times in the past year to use Bank of America 's automatic payment services, but each time it has rejected my checking account from XXXX XXXX. It seems to take 4 weeks for each attempt that I submit. I did not receive any additional information as to why it failed to enroll. I should not be punished for the unreasonable responses to my attempts to pay. They could have applied the payment to the new account, noting the previous account and forwarding the payment to the correct account and notifying me. It is not my fault that there was a breach of security. I did not request my account number to change. They could have called the phone numbers on file. They could send texts to my phone. They could have sent letters when they noticed attempts to pay to the wrong account. There are many ways that this could have gone better. I am about to relocate and purchase a new home and this unfairly damages my credit. I am rather upset about the absolute indifference shown over credit reporting when related to failure of merchants and banks to secure credit cards. Stop making it so difficult to pay my debts! I know you make a huge portion of profits out of late payments and other fees! Of course you would n't be fair and reasonable when it would be detrimental to your primary source of income and profits! This is little more than a gross exploitation of the trust we place in you over our livelihood. Somebody else XXXX up and I have to pay for it?
Consumer complaint received 2020-11-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION (CA)

I recently noticed that my identity was compromised and my bank acct information started changing my passwords and fraud withdrawals, charges were made. I moved out of state and my institutions are located on the East coast. I noticed that suntrust, had duplicated my savings acct number, but used a different product name. Also, I started receiving XXXX info, which I called about, ( XXXX XXXX, suntrust ), I never used the service before, and they never told me who or why I had these alerts. XXXX alone has no contact information for me to get answers, and both of my banks didn't tell me anything. I think I was supposed to get money from a trust or some other personal situation, but still have not. My XXXX acct was attached to my suntrust acct, then it was attached to a XXXX XXXX account. When I asked XXXX XXXX, they didn't have anything to say. I feel like someone took control over my accounts, but no one is authorised to do so. I'm not even sure how long they have hacked my accounts, but I need help asap. Everything is freezing up my money, I have to drive from .ca to dc, just to get my money out so I can pay bills. I'm having a hardship, and am trying to correct it before I lose the only security I have. My info, XXXX XXXX, ( XXXX, XXXX ), other last names I've had Last 4 ssi, XXXX Ph XXXX XXXX. ( XXXX ) old number stolen from me since XXXX  2020 XXXX XXXX  XXXX XXXX XXXX, XXXX .ca XXXX Please contact me with any help Thank you
Consumer complaint received 2017-07-06
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NY)

I had a payment of {$530.00} coming due on X/XX/17, after an expired forbearance year. In mid-XX/XX/XXXX, I requested and submitted proof of income for a Revised Pay As You Earn. After waiting for over two weeks, I got a response by calling. I was found not eligible for that or any other types of plans that would reduce my monthly payment. I mentioned that I have worked for XXXX for several years to see if I could be eligible for something else that could lower my payments. I was transferred to another agent who indicated that my loans would need to be converted into direct loans ( which I 'm not sure what implications that carries ), to apply for forgiveness since I work for a XXXX. Turns out that would lower my payments by {$35.00} ( down to {$490.00} from the original {$530.00} ) ; this brings an attached set of conditions and requirements like everything else. I 'd like to understand why is it impossible for me to get the monthly payment to be reduced by a significant amount that would allow me to pay and not have such a negative impact in my family 's budget.
Consumer complaint received 2023-01-19
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. (NJ)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 2019-10-31
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: Experian Information Solutions Inc. (CA)

i am submitting a complaint for accounts that came back on my credit reporting agencies such as : ( Experian, XXXX  and XXXX  ). 
i had disputed and mailed my police report ( FTC report to all three bureaus and creditors ) that i had been a victim of ID theft, therefore these accounts were opened under my name with out my knowledge. these inaccuracies were removed but XXXX had placed back this inaccurate account to Experian without notifying me of this reinsertion this is an inaccurate information reporting under my name, this ought to be removed. 
this is a serious complaint to Experian and all three other three major credit reporting agencies that re insert inaccurate information without seeking out to the client. 
please have these resolved.
Consumer complaint received 2023-01-19
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. (NY)

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against the credit bureau, as they have failed to upgrade my credit score despite the fact that my bank has confirmed that a mistake was made and assured me that my score would be upgraded within three days. Despite this, my credit score has not been upgraded and I have proof from the bank to back up my claim. 

This issue is causing me a significant financial loss as I am unable to close on certain deals due to my low credit score. I am requesting your assistance in resolving this issue as soon as possible. 

Thank you for your time and consideration. 

see attached the email that i received from the bank Sincerely, XXXX