davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: JPMORGAN CHASE & CO. (WA)

Was notified late of escrow payments increasing for calendar year XXXX but their math does not make any sense, and I have filed a separate complaint. Called them today to request escrow reanalysis. Rep on the phone transferred me to a " tax specialist '' who asked me to tell them what the property tax should be in XXXX  on my home so they can just punch in whatever number I tell them and hold me responsible. 

I am not a tax expert- why was I asked to do this? I asked them to explain the analysis to me and they could not. I went to the XXXX XXXX tax assessor website and in XXXX  the max rate is 1 % and my assessed property value has dropped this year - my tax reservation on escrow can not physically increase more. 

I told them what I as a non " tax specialist '' thought was the max amount, 1 % of the assessed value as per my state law. They should be able to manage this, and if they are a tax expert but are recalculating my escrow ( which takes so long they did not in fact furnish me with the results- why are they unable to get the right amount? 

My loan was sold to them, I don't want to do business with them to begin with - but why can they not get this right, and why am I being held responsible for them arbitrarily raising my mortgage payments?
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Credit Systems,Inc. (IL)

Subject : Urgent Notice : Cease Unauthorized Credit Reporting Immediately - Illinois FCRA Identity Theft Fraud Laws Enforcement Dear NATLCRSYS, I am writing to formally address a serious violation concerning the unauthorized reporting of information to my credit report, in direct violation of the Illinois Fair Credit Reporting Act ( FCRA ) under Sections 815 ILCS 505/2QQ, 815 ILCS 505/2NN, and 815 ILCS 505/2RR, as well as pertinent identity theft fraud laws, specifically Illinois Compiled Statutes XXXX XXXX ILCS 5/16G-15. 

It has recently come to my attention that NATLCRSYS has engaged in unauthorized reporting to my credit report without obtaining my explicit consent, contravening both federal and state regulations. The FCRA, a federal statute, unequivocally mandates that consumer consent is an essential prerequisite for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Illinois state law, particularly Sections 815 ILCS 505/2QQ and 815 ILCS 505/2NN of the Illinois FCRA, underscores the critical importance of consumer consent for credit reporting. Furthermore, XXXX  XXXX ILCS 5/16G-15 of the Illinois Compiled Statutes outlines severe penalties for identity theft and misuse of personal information, emphasizing the gravity of unauthorized access.

I assert unequivocally that I have not provided consent for NATLCRSYS to report any information to my credit report. This clear absence of explicit permission constitutes a direct violation of my rights, with potential ramifications for my creditworthiness, and represents a flagrant disregard for federal and state laws. 

I demand, with utmost urgency, that NATLCRSYS immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by the Illinois FCRA under Sections 815 ILCS 505/2QQ and 815 ILCS 505/2NN. Failure to comply within the prescribed timeframe will be interpreted as willful noncompliance, subject to severe penalties under applicable laws, including identity theft fraud statutes. 

It is imperative to recognize that obtaining consent is not discretionary but rather a legal obligation under the Illinois FCRA and identity theft fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, safeguarding consumers ' rights against unauthorized and harmful credit reporting practices. 

I expect immediate action on this matter and trust that NATLCRSYS will promptly rectify these egregious violations, thereby demonstrating respect for my rights under federal and state laws. 

This communication is made in good faith. 

Sincerely,
Consumer complaint received 2023-11-10
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. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$16000.00} XXXX
Consumer complaint received 2023-11-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (MO)

I have been on autopay for my XX/XX/XXXX loans since I began paying them in XXXX. During the payment pause for the COVID crisis, my loan servicer changed from XXXX to Aidvantage. During this time I received multiple emails stating I should update my autopay information to let them know I wanted to continue with autopay once payments resumed. I unfortunately do not have dates for these emails and when I completed their online form, which was at least twice, because I had no reason to believe they would cancel my autopay. When I did complete them, there was no confirmation that the form was completed, nor were there emails stating it had been completed, so I had no way of knowing whether or not it worked. My XXXX statement looked normal, and I received an email on XX/XX/XXXX stating that my payment had posted. I also received an email on XX/XX/XXXX stating that my XXXX payment is " all set with auto pay. '' However, Aidvantage had actually reversed my XXXX payment without telling me they had done so. They then cancelled autopay and did not notify me of this until XX/XX/XXXX. I have attached all emails from the date the XXXX payment should have gone through, as well as a screenshot of the reversed payment, which I did not discover until Sunday, XX/XX/XXXX after seeing that my XXXX payment due was higher than usual. You will also notice that I made a payment in XXXX before payments were due because I wanted to give myself the extra month to adjust for getting used to them starting up again. I am not someone who doesn't pay my bills, which is reflected in my credit score and makes this situation that much more infuriating. Most of my bills are set up for autopay to avoid this very thing, and this one should have been too.
Consumer complaint received 2023-11-13
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. (CA)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2024-02-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (VA)

On XX/XX/2024, Wednesday morning, a person named XXXX XXXX posted on XXXX XXXX XXXX XXXX XXXX private XXXX XXXX XXXX at the XXXX XXXX saying she has the {$39.00} ticket for the upcoming XXXX XXXX XXXX. I have seen many similar posts asking for buying or selling the show tickets at the XXXX XXXX in this group. I quickly contacted XXXX XXXX by private messaging her in XXXX asking for two tickets. She said I could Venmo {$78.00} to her boyfriend and gave me the Venmo account as XXXX XXXX. She said she would send me the tickets right away after she got the money. After I sent her the screenshot of the Venmo payment. She never responded or sent me the tickets. Later, I found she removed her post in the XXXX XXXX XXXX. The Venmo accounts name changed to XXXX XXXX. I can see this account has many suspicious transactions and I could even see other people paid to this account buying the XXXX XXXX tickets as I just did. I realized I was scammed! As my Venmo account is linked to my Banking account, I called my bank to stop the transaction and I called Venmo to report this scam and request to stop the transaction asap around XXXX the same day. On Friday, Venmo sent me an email stating that Venmo has paid {$78.00} for me and asking me to cover the cost. I called Venmo again. Venmo told me to file a police report. The police will reach out to Venmo for further investigation. So I filed a police report. But the police quickly responded and set my case as inactive as the police said most scammers are outside of the United States. The case didnt happen in our county. Now, my Venmo account is frozen and Venmos customer service no longer communicating with me. Venmo keeps sending email asking me to pay {$78.00}. I told Venmo I will NOT pay for a scammer! On XX/XX/XXXX Friday, PayPal sent me an email to pay {$78.00}, or it will go to debt collection.
Consumer complaint received 2023-11-10
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: EQUIFAX, INC. (FL)

Contacted Equifax to remove unauthorized hard inquires from my credit report. The representative refused to do so as well as the floor supervisor. I am uaware of the accounts that are on my credit report ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-10
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Williams & Fudge, Inc (MD)

I disputed the amount on Monday XXXX I was contacted XX/XX/10 about the debt. Never received the paperwork going over the dispute. I told the person on the phone that I disputed the debt and told him he shouldnt be contacting me until I get the info that I am requesting. The person on the phone claimed to have emailed it to me. When I told him no he didnt he then said he did not have a valid email for me- which is a lie because I have received communication via email from this collector.
Consumer complaint received 2023-11-13
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: Experian Information Solutions Inc. (FL)

On XX/XX/XXXX I was checking my credit reports to make sure things are accurate. I noticed all the hard inquiries are unauthorized and I didn't apply for any. I sent a letter to all credit agencies and it hasn't been deleted
Consumer complaint received 2023-11-13
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. (MA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 2023-11-10
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. (NC)

On XXXX XXXX  someone attempted to open a fraudulent credit card with XXXXXXXX XXXX in my name. I was alerted since I had a savings account with XXXX XXXX  I contacted them right away and they stopped it. 

XXXXXXXX XXXX sent me a letter confirming of the fraud and that they would alert the credit report agencies. 

I contacted TransUnion several times. In XX/XX/XXXX, I was asked to mail in the letter from XXXX XXXX. I did. Nothing was done. 

Today, XX/XX/XXXX, I contact them and they ask now for a FTC report to confirm the fraud. 
The only way to send this is through mail again. 

I keep spending my time and my money on rectifying an error that is not mine. This was fraud and they have been notified by XXXXXXXX XXXX and myself. They do nothing.
Consumer complaint received 2023-11-10
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (NJ)

Home Depot has unjustifiably deminished my credit worthiness. As the attachment hereto indicates, I have never missed a monthly payment, yet my accounct is now classifeid delinquent. My efforts to clear this problem up via telephone was hampered by my inability to understand what the foreign representative was saying.
Consumer complaint received 2023-11-10
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA (CA)

The loan servicer for my student loans is Mohela. I was previously on the income driven repayment plan of REPAYE on XXXX  but submitted my application to the SAVE plan on XXXX  where I would pay {$460.00}. Instead, Mohela entered me into LEVEL standard repayment plan {$1900.00}. The explanation that I received for this was that there was an error on my IDR application but they could not tell me what that error was. They said the best course of action was to reapply so I did on XXXX I was told to reach out in 4 weeks if I didn't hear back. On XXXX ( 5 weeks later ) I called back and the resolution center said my application errored out again and that they would submit a " note '' to get it processed within 10 days. I called back 10 days later on XX/XX/XXXXXXXX  and I was told that the application is still processing and to reach out again on XXXX My administrative forbearance is set to end on XXXX I do not believe my application will be processed by then and will continue to have the same problem. I am currently on the Public Loan Forgiveness and worry that these months will not count towards that and will set me further from forgiveness.
Consumer complaint received 2023-11-10
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Spoke to Transunion regarding deleting different hard inquiry times and a particular collection account XXXX XXXX that I have no knowledge of this account or any contents regarding this account. I been requesting numerous times for this to be removed and its in violation of the FCRA US code 1681 b and 1681 c.
Consumer complaint received 2024-02-10
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (CA)

Hello, I just got something in the mail saying I owe XXXX $ to XXXX I havent had a phone with them since XXXX years ago. I had line with them but on one phone that was on a promotion and a line for a XXXX. Im am very confused with how I owe XXXX $ when both the XXXX and XXXX were paid off and the only thing I was paying for were lines. I asked the customer support people before I canceled the line on my account and I guess they shut down my account? Im not sure what happened and when I asked if I owed anything they said no everything is paid off and I should have my last bill paid at the end of XXXX. Which was about XXXX XXXX Now Im seeing I owe {$900.00} to a debt collector company? This is insane because the only reason I canceled the line was because I no longer owe anything to that company or else I wouldve just stayed paying the debt i owed. Please lead me the right way or if theres anyone that can help me with any of this. The XXXX account number that shows here is XXXX
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/XXXX I have submitted a direct dispute with Transuion XXXX XXXX XXXX providing proof of identity theft proof of address XXXX XXXX XXXXXXXX XXXX XXXX tx XXXX ( documentation attached ) I have submitted a ftc report as well each company have failed to protect my consumer rights and remove the fraudulent accounts and inquiries so as of XXXX XXXX my attorney and I have a civil lawsuit against below companies and I XXXX XXXX is seeking relief to remove all disputes information and prove me with monetary compensation for each cfpb violation Transuion Fraudulent account ( XXXX XXXX XXXX ( XXXX XXXX Inquiries PAYMENT XXXX XXXX XXXX  XXXX Finance ) XXXX XXXX XXXX XXXX ( 3 times ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT ACCOUNTS ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-10
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. (OH)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, TransUnion, XXXX is reporting this information.. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, TransUnion, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2024-02-08
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Stein Law, P.C. (OR)

XX/XX/23 was the last communication I had with the company. I was trying to lower my garnishment amount. The company refused to help, used my wages from a month that I worked 200 hours of overtime. I submitted proper documentation to show my actual wages and how the amount they were garnishing was causing me to fall behind on my bills. They completed disregarded this. They have used demeaning and disrespectful behavior. They never sent me any documentation, contacted me about the debt or tried to notify me of a court date. The loan amount is incorrect. They raised it by a XXXX XXXX. I have filed a complaint with the attorney general office as well.
Consumer complaint received 2023-11-10
Product: Checking or savings account — Savings account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I received my paycheck from my employer and deposited said paycheck XXXX XXXX XXXX  The paycheck I cashed was for {$440.00}. I deposited this check XX/XX/XXXX. This paycheck was funded to my savings account the next day. On XX/XX/, Bank of America took this paycheck out of my savings account, claiming that I have deposited this check twice, as the check number has gone through their system already. I have contacted my employer, who has told me that my paycheck did come out of his account on XX/XX/XXXX, when I deposited it. It was never deposited twice! Bank of America owes me {$440.00} which is what they took out of my account XXXX XXXX
Consumer complaint received 2023-11-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Yesterday, on XX/XX/2023, Capital One Platinum emailed me a dispute update letter stating a merchant ( XXXX XXXX XXXX XXXX ) responded to my credit card dispute of a {$250.00} unauthorized charge to my credit card weekend of XX/XX/2023. Merchant erroneously claims I stayed for XXXX nights at its hotel. In contrast, I only stayed XXXX night where they properly charged {$190.00} to my credit card. Inexplicably, merchant charged each night in 2 separate credit card transactions. Merchant ignored my telephone messages so I filed a formal dispute with Capital One Platinum. The Merchant 's dispute response to Capital One was deficient, lacked explanation and completely ignored my formal request for merchant 's electronically stored information related to my hotel room key which will provide I only stayed for one night instead if two nights. Merchant supplied no documents to prove this, documents with my signature to validate the {$250.00} charge, or the requested documents about the exact dates and times of my check in/out. Capital One 's dispute update letter sets forth the next steps in the dispute resolution process for me to upload rebuttal documents on its secured website for the dispute team to review. After speaking by telephone with a Capital One customer care representative yesterday morning who urged me to submit my rebuttal the same day, I uploaded my rebuttal documents yesterday afternoon. Yesterday evening, I called Capital One again who confirmed my rebuttal records were received and would be reviewed within the next few days. But, this morning, my Capital One online account indicates the dispute is closed without further explanation and the unauthorized {$250.00} charge was placed back on my account. As discussed in my attachments, Capital One 's actions violated its own internal dispute resolution written policies, its written customer fraud protection policy and everything its two employees said to me in two separate phone calls yesterday.