davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-20
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. (PA)

My name is 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 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: CBC Companies, Inc. (MI)

On XX/XX/XXXX I applied for a mortgage through XXXX XXXX in XXXX XXXX Michigan. I did not explicitly sign anything, or opt into or out of anything. 

By Tuesday, I had received no less than 40 unsolicited phone calls from various mortgage companies trying to have me finance through them. 

After research, I see the Fair Credit Reporting Act allows companies to cold call consumers to offer the best rates. 

This is the most ridiculous invasion of privacy. My bank never told me my data/ informatino would be given/ sold to all these mortgage companies. This process should be illegal. 

The credit company that started all this is " Factual Data ''
Consumer complaint received 2022-03-31
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: JPMORGAN CHASE & CO. (TX)

Purchase made in store XX/XX/XXXX for amount XXXX. Product was left in store for alterations. Product was damaged during alterations. Charge was already made and store would not refund for damaged product. Chase will not refund money stating I was able to see product before purchase but this is incorrect as purchase was made before product was damaged and returned to me.
Consumer complaint received 2022-12-08
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: Harris & Harris, Ltd. (NV)

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

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

15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written consent. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-05-13
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. (MO)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus ( XX/XX/2023 ), but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. The following accounts needs to correct or removed immediately : XXXX XXXX XXXX Balance Owed : {$28000.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report. XXXX XXXX XXXX XXXX Balance Owed : {$2100.00} -Please check the Payment History and Status information on this account and adjust accordingly. XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$3000.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. XXXX XXXX XXXX XXXX XXXX Balance Owed : {$860.00} - Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was Paid as Agreed and I never missed a payment. Please update it immediately. XXXX XXXX XXXX XXXX XXXX Balance Owed : {$860.00} - I do not believe I was late on the dates you are reporting. Please report the payment status positive and update all late from reporting on this account. 
XXXX XXXX  XXXX XXXX Balance Owed : {$1300.00} - Evaluate this reporting by revising the information provided. Modify and perform any corrections or update this from my file. XXXX XXXX XXXX XXXX Balance Owed : {$0.00} - I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately. XXXX XXXX Balance Owed : {$0.00} - This company has illegally re-aged this account. Please investigate thoroughly and delete for lawful accuracy. XXXX  XXXX XXXX XXXX XXXXXXXX Balance Owed : {$3000.00} - XXXX believe this account is reporting inaccurately. I do not recall ever
Consumer complaint received 2022-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

My name is 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 2023-01-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (NY)

I ran my annual credit report via XXXX and noticed a collection account on my report. It shows the account was opened with a debt collection company " I C System INC '' on XX/XX/2022, and the balance is {$100.00}. 
I already called XXXX to report this issue and notified XXXX there was some incorrect personal information on my report as well, including names, addresses, employer 's information, and social security number variation. Besides that, I already called I C System INC to find out if they have any related records, but they couldn't find anything unless I can get provide them with the full account number or reference number. I noticed the original creditor of the debt was XXXX XXXX, but I never open any account under this company. For now, this is all I have done related to my fraud.
Consumer complaint received 2023-01-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-01-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MN)

In the process of bringing my student loans out of default and into repayment- After rehabilitating my loans- It was transferred to XXXX XXXX XXXX ( in PA ). I received a letter DATED XX/XX/XXXX that stated " for the next 3 months, your payment will remain the same as it was during your rehabilitation '' when I attempted to pay my XX/XX/XXXX payment ( 3rd month ), it increased by 700 %. 
The ambiguous letter should be a violation of the Fair Lending Act ( ECOA ), and should CLEARLY state when the the " period '' starts and ends. 

I called customer service on XX/XX/XXXX spent 1 hour and 47 minutes on the phone with XXXX, XXXX and XXXX with over 20-25 minutes on hold, if not more. 
I was told that the letter was a generic letter and that my payment schedule with XXXX XXXX XXXX BEGAN in XX/XX/XXXX, not XX/XX/XXXX and there was nothing they could do about the payment. ECOA I submitted an income based repayment plan and received an email that they would get back to me in a month. I submitted a request to change the date of my payment, that takes 10 days to review ( was not given an option to choose a date to begin with ). 
It is hard for me to believe that a Income Driven Repayment schedule should take this long. ( XXXX  processed my significant others in days ). 

The last issue I have with XXXX XXXX XXXX is the manner of payment. They require you to give your routing number and ACCOUNT number and will not let you pay by debit card or other payment type. As someone who works in the financial industry, I advise all customers NOT to give ANYONE your checking account number. 
This needs to be addressed! 

In summary XXXX XXXX XXXX should be investigated in their policies and practices.
Consumer complaint received 2022-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (MI)

I've had the credit card since XX/XX/XXXX. Recently, I started adding some friends and family members to the card in an attempt to help boost up their credit cards. Chase charges me {$75.00} for each person that I add on for a new card and there was no stated limit to the number or frequency of how many people or who could or couldn't be added. ( Never got a warning, phone call or anything about it. ) On XX/XX/XXXX I got a phone call from Chase, ( which I missed because I was at work ) saying they were reaching out for potential fraud. I called back on the XXXX when I realized my account was closed. I called the fraud department back and explained that It was actually me that added the authorized users. The woman I spoke with said ok, and told me she was going to reactivate my account and overnight new cards to me. When I got the new card, I called Chase as directed to activate the card. After speaking to XXXX different people in " the right department '' I was told that my account was permanently closed and would not be reopened. I asked why, and I was told because of the authorized users I added to my account. To me this is unacceptable. I have been a loyal customer with this card for over 5 years, never missed a payment or had any other issues. If there was a limit on the authorized users, I could add or certain criteria, that should have been posted or stated. Instead, I received no warning, correspondence or solution besides being treated as a criminal and closing my account.
Consumer complaint received 2022-10-07
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. (AL)

I have noticed a lot of inquires on my credit report. All these inquires were not authorized by me. I have no idea where these came from. I have contacted equifax and they refuse to remove my inquires, despite the laws. I have no knowledge and they have shown me no proof that these inquires belong to me.
Consumer complaint received 2020-08-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (CA)

This company is scamming us to charge late fees. My husband recently had our loan assigned to United Wholesale Mortgage. Our previous 2 servicers ( XXXX XXXX and XXXX XXXX ) had no issues apply our payment over 2 payments. We have always sent half the amount 2 weeks before the due date, and the remainder a few days before the due date. This is how we have been able to budget our finances for years. We were surprised to receive a letter dated XX/XX/2020 with a check enclosed for the payment we sent in mid XXXX for our XXXX payment. It was like a slap in the face to see that they also charged us a late fee. We are in a pandemic, many people are struggling to pay their bills yet we strive to pay ahead of time and the company can't figure out how to properly process our payments. We called the customer service line and received no help whatsoever. They were useless. We spoke to " XXXX '' and " XXXX ''. I asked to speak to a manager and I was told they would have to call me back. I waited 8 hours for someone named " XXXX '' to call me back and they never did. I sent an email to their " customer advocate '' and received a call the following business day from " XXXX ''. She told us she would apply the payment that had previously been applied incorrectly but she couldn't do it until we were ready to make the XXXX payment. She said to call back at the beginning of XXXX and they would do it. Today is XX/XX/XXXX. We have called 4 separate times to make our payment and they have all said they can't do it. 3 different people ( XXXX, XXXX and XXXX ) have promised to have a supervisor call back and they never have. I've asked to speak to XXXX and I was told told they don't know who she is. I asked to speak to the people I have named off here, and none of them know who the other is. We are now in danger of being charge another late fee in spite of trying to pay ahead. 
XXXX XXXX XXXX
Consumer complaint received 2023-05-13
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. (RI)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXX XXXX Balance : {$26000.00}, XXXX XXXX XXXX Balance : {$4500.00}, XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$1500.00}
Consumer complaint received 2023-01-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (WI)

I am a 32 years of service retired educator of public schools. My loan was recently transferred from XXXX to Mohela. XXXX had my total number of payments for PSLF at XXXX. I had XXXX continuous months deferment and XXXX payments that I made during deferment in XXXX that they would not count. I asked Mohela to count them. They said I did not apply for PSLF and did not have my employment verified. I sent both sheets to XXXX in XX/XX/XXXX. Mohela asked for original paperwork. I expressed concern that the new paperwork would have a date past XX/XX/XXXX so I would not qualify for XXXX. I filed a complaint with Federal Student Aid on XX/XX/XXXX of XXXX. I waited three months to hear back. My case was closed on XX/XX/XXXX of XXXX. I called to find out what the judgement on the case was several times and was told the person who reviewed the case would call in XX/XX/XXXX hours. No one ever called, no emails! I contacted Ombudsman and was told to reapply to have my status for PSLF reviewed. I did. I was so angry I filed another complaint with XXXX  and they closed my account one hour after I opened it. I am sick over this mess, I cant sleep! I I have NEVER been this frustrated in my life. I have screen shots and documentation for every person and date that Ive tried to resolve this on my own. Im willing to pay a lawyer to help. What are my next steps?
Consumer complaint received 2020-08-10
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: HALLMARK HOME MORTGAGE LLC (IN)

I took out a construction loan from Hallmark Home Mortgage LLC that closed on XX/XX/XXXX. We started building a home soon thereafter. When we went to close on the permanent financing for our home loan with a closing date of XX/XX/XXXX, we were shocked to find out that Hallmark Mortgage LLC charged us {$750.00} per month to extend our construction loan. We paid monthly interest to Hallmark and received a statement each month and paid the amount owed. Never was a {$750.00} per month charge disclosed to us at our closing. I approached Hallmark Home Mortgage LLC and the representative we dealt with, XXXX XXXX, and he said that those fees would have been waived had we chosen them for our permanent financing but since we were financing our loan elsewhere, we had to pay them. Hallmark Home Mortgage LLC waived one month of fees but we were forced to pay the remaining {$4500.00} in fees in order to have the construction loan paid off and our permanent financing put in place. I asked XXXX XXXX to refund these dollars since they were never disclosed to us at the closing of our loan nor did we sign any document stating that these fees existed. We did not hear back from him after his initial email that he would ask his Manager. I have a copy of all of our closing documents and monthly statements and there is no mention of this fee anywhere in these documents. I am attaching a copy of a monthly interest statement received from Hallmark Home Mortgage LLC as an example.
Consumer complaint received 2021-08-07
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SUN WEST MORTGAGE COMPANY, INC. (CA)

Sun West Mortgage Corporation 's licensed broker XXXX XXXX, Tel XXXX XXXX told me on XX/XX/2021 that he would lock in a refinance loan on my home at the rate of 1.75 % 30 yr fixed and would send me a loan estimate for loan # XXXX, and had me sign all the necessary documents, and relying on this estimate, I cancelled other pending offers at the same rate. Then this broker sends out a notary to sign papers where he has added {$10000.00} fees additional to the loan estimate that I relied on to my detriment. I refused to sign the papers, and he stated to me that he would correct the problem, and send out the notary again. As damages, I am demanding the {$10000.00} damages for detrimental reliance ; or alternatively, that the loan estimate be honored, this is a VA XXXX loan which the fees added make it not approvable by the VA for its 36 month recovery test.
Consumer complaint received 2020-08-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. 

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also, there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2020-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I received an alert from Equifax that my report indicated that I was 30 days past due on my account from XXXX XXXX. I immediately contacted XXXX XXXX and explained that my payment from XXXX was missed and not posted to my account and was showing 30 day delinquent. I have NEVER been late and have always paid on time. I spoke with XXXX a representative from XXXX XXXX and she was able to research my account and corrected the error by immediately reversing the late payment charged. When asked about the removal from Equifax, she advised that I had to contact Equifax to remove the incorrect late payment. I am writing to dispute this with Equifax and have the incorrect late payment removed. Equifax is non-responsive in correcting this error. I am asking for immediate action to my claim.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

The credit bureau, ( Experian/XXXX  XXXX has allowed an account from XXXX XXXX XXXX to be reported without properly verifying its accuracy. This account has no identifiable account number, is misrepresented as Original Creditor, and was illegally re-aged. Despite disputing this with the bureau, it has remained on my report, resulting in a significant credit score drop. This violates the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure the accuracy and completeness of reported information. I am seeking the immediate removal of this inaccurate account and for the bureau to enforce proper verification standards moving forward.