davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

Amount : {$25000.00}. 
Please see attached for proof of claim. 

15 U.S. Code 1666b - Timing of payments U.S. Code XXXX is in violation of my federal rights by reporting late payments. ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 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 2024-10-28
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. (PA)

Amount : {$25000.00}. 
Please see attached for proof of claim.

15 U.S. Code 1666b - Timing of payments U.S. Code XXXX is in violation of my federal rights by reporting late payments. ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. ( 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 2023-10-09
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Data Mortgage Inc. (NV)

We are having issues making our payment due to financial hardship. I submitted a loss Mit application on XX/XX/XXXX or XX/XX/XXXX. They did not communicate with me on the status of this application for over two months. I called numerous times, their phone number never reaches a representative. They have a call back system. When they call back the rep never has any updates. At the end of XXXX I called again and they stated a partial claim was approved and the I should be getting paperwork. I did receive the paperwork but the claim is for over double or what we are past due. I have called and wrote many emails so that they can explain this to me and no one replies. They say I have a single point of contact but no one tells me who this is. I am just trying to keep my home.
Consumer complaint received 2023-10-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (NC)

Aidvantage sent me an email about my payments coming up. On XX/XX/23, I attempted to reach out to them about information and they did not answer after waiting forever over XXXX minutes. I called again and same situation. I wanted to understand what I needed to do. I did my IDR certification for my new income and was not given any information on that date. Yesterday, on XX/XX/23, on a XXXX, I get an email that a payment of {$450.00} is expected in 5 days when my previous payment was {$0.00}. I want to pay back my student loans but I am unable to handle a brand new {$450.00} payment that I have had no notice about. I have been unable to contact Aidvantage, they have not sent me any paperwork. The company has no customer service and their email us option does not actually even email them. They are directly misleading people and are unwilling to perform the work they are supposed to in servicing these federal student loans. A bank is not allowed to change your payment and then demand money within 5 days. The CFPB regulations themselves require at least 21 days. Why is this awful for-profit company that is servicing federal student loans not bound by the same laws that every other financial company is? And more importantly, why are they not willing to speak with me about any of it? I feel like they want me to default.
Consumer complaint received 2020-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MA)

On my Equifax report there is an incorrect name listed. I have not taken any steps fot correct this other than notifying you. I also would like to know why my score is not perfect since ai have made all payments to creditors and loans on time and paid mortgages off early.
Consumer complaint received 2023-10-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

I received a notification on the XXXX around XXXX XXXX  that someone head looked up my Bank of America user ID and changed my password. My phone was misplaced/stolen on the XXXX of XXXX and I believe they used apps/information to hack and drain my bank accounts, they started transferring money from my main checking account ( ending in XXXX to my other checking account ending in XXXX ) taking out large sums of money/ completely draining my accounts in the total of {$17000.00}. They were made to a company called XXXX XXXX which I had used previously however NEVER made a transaction over $ XXXX. The XXXX XXXX XXXX XXXX, etc were all on my phone. They used XXXX XXXX to send my money to some crypto wallet depleting my account of funds within a couple of hours of password change. I let BOA know as soon as I was made aware and I was told that she could tell someone had stolen my identity and made these transactions fraudulently. These charges that were made from XXXX to XXXX. These charges were very alarming because they were all in LARGE sums of money.= thousands of dollars in each transaction and completely drained my main checking to transfer into an account they were able to make transactions/withdrawals out of. The account they transferred money over to ( was hardly ever used prior ) and the debit card was saved to stolen phone. I have attached claim details along ( however if BOA can update me that someone looked up my user ID and password and then changed password they NEVER should have allowed transactions to go through ), along with message to original company that refused to refund transactions. In fact they replaced to my email update regarding fraudulent activity stating they had never confirmed my identity verification and my drivers license required to withdraw these funds... and that is because I NEVER GAVE CONSENT not did i authorize these transactions. I was told by BOA that they would research claim and was later denied claim/closed out.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (NJ)

I sent a complaint ( XXXX ) that was closed and I was informed that there was nothing left to do as my complaint was sent to that AG for review. 

I haven't heard anything yet, but I thought I should include some of the issues with the " Lender 's '' response and documentation therein. 

Been asking over and over about licenses for drafter and branch, and they send a response with no unique identifiers present. 

Asked for proof of this alleged {$40000.00} past due balance... they send an altered transaction sheet, and even it shows that those alleged charges are posting to the account are not charges against it. 

No rights and disclaimer. Most specifically my right to rescind. 

Authentication issues with any MERS loan are well noted. I've asked them over and over how they can even try to assert legal rights to enforce this debt on those ground and nothing. Requested proof that they've obtained this instrument in due course and nothing? 

How much nothing before this company is in dishonor. 

I've taken the initiative to pay my insurance for the year to see if this company was capable of refunding something, but in pure XXXX fashion, not only have I been charged again for insurance ( or at least what's said to be ). There's justification for no change in the escrow projection. 

Threw in an escrow analysis document so that you can see the immediate payment for insurance. Misapplied funds. Created shortages. Obviously more fraud.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: First Advantage LNS Inc. (TX)

The company XXXX collector ( a third party collection agency, with whom I have no business with or contract with ; are reporting inaccurate information on my name. Continuous calls at all hours of the day and evening are troubling and bothersome. In this regard they are also violating FDCPA laws and also violating FCRA Laws. 

I ask that this information be removed from all three of my credit reports and ALL communication be seized immediately. 

There are claims that there was pet damage to the unit, and I have never owned pet-and there was never a pet deposit made as well.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NJ)

The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.
Consumer complaint received 2023-10-09
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. (GA)

TransUnion is in violation of the Fair Credit Reporting Act, because of reporting incorrect Personal Information, and inquiries that don't belong to me. I'm unable to log in to my TransUnion credit account to view my credit report and disputes. I need to have online access to my TransUnion credit report and get updates on my disputes pertaining to my personal information such as reporting one name, one address, one phone number, and one job. Anything else is INACCURATE and needs to be deleted from my file. I provided a police report because my personal identification was compromised through the Dark web per XXXX XXXX monitoring credit company. Please see the attachments.
Consumer complaint received 2023-10-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (NY)

My business XXXX XXXX XXXX wrote a check to XXXX XXXX who is a tax collector in the town of XXXX, NY. The check was for town taxes in XX/XX/2023. The check is in the amount {$2800.00} dated XX/XX/2023. It was deposited on XX/XX/2023. The endorsement on the back of the check in unreadable. XXXX XXXX clams not to have received the check and not deposited it. I was not made aware of this fact until XX/XX/2023. JP Morgan Chase is my bank. They say it's to late to do anything about this. I should have contacted them earlier. They say there is nothing they can do and will not refund the money. The only info they were able to give me is that the check was deposited to a XXXX  XXXX XXXX account. Not which branch or which account number. 
I have a bank printout of the front and back of the check. Someone was able to deposit this check without making any changes to the front of the check.
Consumer complaint received 2023-10-09
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. (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. 

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 has violated my rights. Or a 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 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 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: MOHELA (FL)

please CC all companies you are finding below THAT ARE HIGHLIGHTED. CC : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This notice is to inform you that someone unlawfully reported an unauthorized account on my consumer report. I have not given you written permission to put anything on my credit profile.. The purpose of this letter is to dispute the validity of the debt being claimed under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I strongly believe that this alleged debt is in direct violation of the XXXX XXXX XXXX XXXX, which prohibits any form of debt bondage or involuntary servitude arising from XXXX XXXX. I am a victim of XXXX XXXX
Consumer complaint received 2023-10-09
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: JPMORGAN CHASE & CO. (MS)

I have no knowledge of this hard inquiry. The hard inquiry is a result of identity theft and it must be removed within no later than 4 business days as per 15 USC 1681, c-2
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my XXXX XXXX. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my XXXX XXXX, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2024-10-23
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: EQUIFAX, INC. (OH)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT.

Account Name : XXXX XXXX XXXX XXXXXX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

The examination and investigation didn't resolve the problem I was having with the credit report inaccuracies. 
I did a dispute with Transunion on many occasions in XXXX, XXXX, XXXX, XXXX, and XXXX for the same reason ( about the unfair credit practices, and the deception tactic that used by the creditor to damage my credit and. wasn't noteworthy, as other reports wasn't compared by the agency. by the same creditor. XXXX was the creditor involved with reporting inconsistency. And I feel that TransUnion didn't do a thorough investigation on my behave. Because the reports was completed with some changes, but didn't resolve the reporting inconsistency. And In the next two months the report would change again. So this is why I am escalating this problem to Consumer Protection.