davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-11
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. (GA)

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : THE XXXX Account Number : XXXX Account Name : XXXX BANK Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries 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 XXXX 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 2020-05-06
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: ALLY FINANCIAL INC. (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : ALLY FINCL XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/year> I received an email that a XXXX was my new servicing provider. My XXXX XXXX XXXX XXXX XXXX XXXX has been paying XXXX for my student loans for over 6 years now. I am unsure why these loans have not been removed due to my personal information being breached by the servicing providers are passing my information around which goes against the FCRA 605B. All loans with XXXX need to be removed due to this breech.
Consumer complaint received 2024-10-11
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. (VA)

I have a Bankruptcy Reporting on my Credit Report that is reporting inaccuracies, The XXXX  that was filed is incorrect and the Dates is incorrect, And the status of it is incorrect. I will be sending Documentation of correct information from my attorney and I will like this inaccurate information deleted immediately because I have tryed to fix this and the issue has not been fixed and all my rights are being violated due to the FCRA, The Bankruptcy is Ref # XXXX
Consumer complaint received 2020-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/2014 I submitted a payment ( {$96.00} ) to Bank of America that was not accepted because I had insufficient funds in my bank account. From this date on, Bank of America placed this XXXX insufficent payment in the column of cash advances. 
Instead of there XXXX interest rate, I am now paying XXXX solely on this {$96.00} insufficient payment that was never a cash withdrawal. 

What the company should have done was charged me a late fee. Instead, I have been paying 24.24 % on the XXXX I have now paid {$290.00} on the {$96.00}. The charges continue for the {$96.00}. it is my contention that Bank of America is abusing the customer by having them pay the cash withdrawal percentage rate on an insufficient fund payment. 

Please advise if there is any remedy to this abuse. 

Thank you, XXXX XXXX
Consumer complaint received 2022-06-24
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (VA)

I sold a home on XX/XX/2022. 

Rushmore Loan Management Services has yet to return the escrow refund. 

I called in XXXX and was advised it takes 20 days t process an escrow refund check. 

It has now been 61 days.
Consumer complaint received 2020-05-06
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: HYUNDAI CAPITAL AMERICA (OH)

I already filed a complaint with this agency under XXXX Kia Motor Financial stated that they could not find my account when you company contacted them but was able to find it when I contacted them. I hung up on them. I am frustrated with their company and practices.

As stated in my previous complaint this was my ex husband 's vehicle that I was asked to cosign on because he did not have any credit. We separated and he started missing payments then ultimately he go the car repo. I contacted Kia monthly to try to get a resolution and all they kept telling to do is pay for a car that I was not in possession of with a man with a violent history. In our divorce decree, my husband was declared responsible for paying the car note.
Consumer complaint received 2020-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: HANCOCK WHITNEY BANK (LA)

The banks web site constantly has issues whenever I try to pay online. It has issues loading. Or it will ask security questions that don't pertain to me. When I tried to pay on XX/XX/20. I got locked out after it asked incorrect security questions. Then I called and paid over the phone. I called back to check the confirmation number. I was asked for my phone number in case we were disconnected. 

Eventually I was disconnected. But no one ever called back with the confirmation number. My payment still hasn't been debited my account. I emailed customer service the same day to inform them of these numerous issues. However, to date I have not been contacted.
Consumer complaint received 2020-05-05
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: EQUIFAX, INC. (AR)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Consumer complaint received 2020-10-05
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. (PA)

I requested all three of my credit reports from all three bureaus back in XXXX. Upon receiving and reviewing these reports I found numerous fraudulent accounts had been established in my name in fraud, by someone who used my personal information. I began the dispute process immediately by both contacting the credit bureaus and creditors where the fraud accounts originated from. I wrote each bureau ( Transunion, XXXX, XXXX  ) very detailed letters and supplied them with proof ( Police Reports, Photo ID, ID Theft Reports ) I asked them to supply me with proof they they had on these debts/fraud accts, etc. 

Proof I asked them for was signed contracts of these accounts, IP addresses, physical mailing addresses, logins, bank accounts associates with these debts0 They have refused to supply me with this information and still reporting these fraudulent accounts because the creditors allegedy verified with them ( baiscally the creditors is paying them to report this fraudulent information )
Consumer complaint received 2024-10-11
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. (LA)

This account is a certificate of indebtedness ; it is now considered income and income can not be reported on any credit report. XXXX XXXX, account number XXXX, has violated several of my rights as a consumer. Furthermore, the sale or sharing of my personal information to a third party collection agency without my explicit consent constitutes several violations of both the Privacy Act of 1974 ( 5 U.S.C. 552a ) ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.

This also violates the Gramm-Leach Bliley Act ( 15 U.S.C. 6801 ). Under the Privacy Act, federal agencies are prohibited from disclosing personal information without the individuals consent, except under certain circumstances, and under the Gramm-Leach Bliley Act, financial institutions are required to protect the privacy of consumers nonpublic personal information and limit disclosures to third parties without consent.

Given that I did not authorize this disclosure or sale of this account, I am formally requesting immediate action to investigate this violation, cease further sharing of my information and to remove all unauthorized reporting related to this account.
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Under Section 605B of the Fair Credit Reporting Act ( FCRA ), I am exercising my right to dispute unauthorized and outdated inquiries on my TransUnion credit report. TransUnion is currently reporting XXXX hard inquiries from various companies that I did not authorize, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 did not initiate these credit requests, nor did I authorize these entities to conduct a hard inquiry on my credit report. Additionally, certain inquiries are still reporting past the two-year limit, specifically those from XXXX XXXX  XXXX XX/XX/XXXX, XXXX  XXXX on XX/XX/XXXX, and XXXX XXXX on XX/XX/XXXX, which should no longer appear on my report according to standard credit reporting practices. 

These unauthorized and outdated inquiries have had a significant negative impact on my credit score, misrepresenting my credit activity. I have attempted to address these issues directly with TransUnion, but no satisfactory action has been taken. Therefore, I am formally requesting, in line with FCRA Section 605B, that TransUnion promptly remove all unauthorized and outdated inquiries from my report and rectify any associated negative impact on my credit score. I trust that TransUnion will take appropriate action to uphold my rights as a consumer under the FCRA.
Consumer complaint received 2020-05-05
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: MOHELA (FL)

I'm a victim of Identity theft. So one used my information to get a student loan. I have reported this to the credit Bureaus & the company that has the loan. I have also filed a police report case number XXXX. They haven't removed this from off of my report. I have sent in all the documentation that I have on this matter.
Consumer complaint received 2020-05-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (NE)

I originally submitted a dispute because a collection agency kept calling me for an account but would refuse to give me any information because they couldn't verify my full name, SSN, address, and or date of birth. After requesting a Validation of debt letter and not receiving anything in response I submitted a dispute with the CFPB. They finally responded by sending me a bill with another persons name which is similar to mine but not me and a different address that I have never resided at. I contacted the original merchant of debt and was informed that the account the collections agency is trying to charge me for is not affiliated with my full name, nor SSN, nor address, nor date of birth so they weren't sure why the collections agency was trying to charge me for an account that did not belong to me. Once again this is not my account but belongs to a person with a similar enough name.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AZ)

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.

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 2020-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (OH)

Here are the facts of this case. On XX/XX/XXXX a payment from my Chase Checking account was applied to my Chase Credit Card in the amount of XXXX. After this payment the credit card balance due was now XXXX. On XX/XX/XXXX, the very next day, a duplicate payment in the same amount of XXXX was pulled from the same Chase Checking account and again applied to the Chase Credit card and now there was a balance on the Chase Credit Card of XXXX. I reached out to the bank first on XX/XX/XXXX and was told there was nothing they could do to stop the payment even though it's between two Chase accounts. I had to wait for the second payment to hardpost on the credit card and then seek my ACH refund which would occur in 2 days. I called again on Monday XXXX once the payment hard posted. I was transferred many departments trying to figure out who at Chase could help. I was told by Chase Credit Card support I would receive an email within 2 days to claim my ACH refund in the amount of {$640.00} and that it would take another 2 days for the refund to go through. It has now been 5 days and I am getting the run around by Chase. I have never received the email but the credit showing on the credit card ( the over payment ) was removed off the credit and is showing refunded but it is not in my chase checking account either. The various calls and emails to Chase have given me no results. No one can tell me where this refund went or how/if/when I will receive it. No one can tell me why it was pulled off the credit card but never received by me. I am now receiving generic responses stating they will look into this and it may take weeks. It is unethical at the least to take a clients money and not return it ASAP but it's even more unethical that this credit is now missing from ALL my accounts. It is not showing anywhere due to me. I have been banking with Chase for a very long time and it's appalling to me that they can so easily take their clients money and keep it in limbo for as long as they see fit.
Consumer complaint received 2020-07-07
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. (MN)

FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. 


XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX inquiries XXXX/XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX US DEPT OF EDXXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (VA)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2020-05-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (SC)

In XXXX of 2019 I was contacted by a company called Fed loan servicing to set up a loan forgiveness program which would reduce my balance from approximately $ XXXX {$16000.00} by making payments monthly that were automatically deducted from my check in the mail and the amount of $ XXXX monthly I was informed this was based on my income and I would have to recertify annually. For approximately six months this amount was deducted from my account and I thought nothing of it until it stopped withdrawn from my account. And became suspicious wants to stop withdrawing from my account and just recently checked my credit report only to find out then an additional {$49000.00} that has never existed in the 15 years since my student loan balance begin appeared do on my credit report as a separate line item from my original amount due which is valid of XXXX. When I called Fed loan servicing they informed me that this was a scam and that often scammers pose as the actual company and working with the department of education but are there to steal your money I am asking for your help to rectify this I am currently contacting XXXX the original provider of my student loan to get an actual statement of account to provide the valid representative from Fed loan servicing So they can indeed validate that my balance is only XXXX And not XXXX as indicated on my credit report. I do have a copy of my statement that was mailed to me showing the two separate balances one of which is completely invalid and have spoken to the one I believe is the valid company Fed loan servicing  they asked me to reach out to your company to correct this and file a complaint if someone could please get back to me to ask me what else you need from me I have just a little bit more information can also provide bank statements of the amounts being withdrawn the original number and name of the person I was given I was even provided a username and password and direct number to reach the company but since can not reach them.
Consumer complaint received 2024-10-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (VA)

Please refer to complaint ID XXXX. This was in regards to MOHELA changing my loan terms earlier this year, extending it by 12 years ( XXXX ) despite signing a contract in XXXX  for repayment to be completed in XXXX. 

I waited the 60 days for communication from MOHELA regarding the above complaint as suggested by CFPB. I have not received any information nor rectification of the problem. 

At this point, the repayment breakdown is no longer available on the website/my account for me to reference.
Consumer complaint received 2020-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (RI)

Due to a COVID 19 hardship, I requested a 90 Forbearance on my mortgage loan with LoanCare LLC beginning XX/XX/XXXX and ending XX/XX/XXXX. My account was current as of XX/XX/XXXX and I have made my XX/XX/XXXX payment. I have been approved by LaonCare LLC for payment deferral of the three missed payments. 

LoanCare is reporting my loan as DELINQUENT to XXXX   and XXXX which has severely impacted my credit score! My account was current before the Forebearance and is now CURRENT and the CARES ACT prohibits mortgage companies from negatively reporting accounts that have requested forbearance because of a COVID 19 hardship. 

LoanCare says they will " look into it '' but it may take as long as 30 days to review. This is UNACCEPTABLE!!! My credit report and credit score are being held hostage by this company and they refuse to address it! I have spoken to no less than 12 people over the course of the last 10 days with no assistance.
Consumer complaint received 2021-05-29
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: T.S. Holdings (FL)

IQ Data International Inc. has called repeatedly at all hours without leaving any voicemail or any information about the reason for multiple calls. I just received a letter from their representative XXXX XXXX threatening further action when no previous demand had been made of any supposed debt.