davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-05
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (AZ)

In XX/XX/XXXX we filed a chapter XXXX bankruptcy. The mortgage company submitted a claim for the arerages and the ongoing monthly payments. The bankruptcy closed at or around XX/XX/XXXX. They are now charging {$28000.00} " in fees ''. I have made numerous attempts to get someone to explain these charges and if these were indeed owing why was it not submitted as a claim during the claim period of the bankruptcy. 

I have made numerous calls and received promises to have someone call me back. I have not heard back from anyone. I have written requesting this information ( several times and recently sent a certified letter about 5 weeks ago, again no response. 

I am currently paying 11 % in interest. I need to re finance at a more reasonable rate and I need this matter cleared up
Consumer complaint received 2018-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In the dispute results of File Number : XXXX dated XX/XX/18, Transunion stated in writing that the following collection item was verified : XXXX XXXX XXXX # XXXX ( XXXX XXXX XXXX, XXXX, XXXX XXXX ( XXXX ) XXXX-XXXX for the amount of {$1000.00}. The license of the aforementioned collection agency is expired ( see attachments ). Debt collectors are required by the State of Tennessee Board of Commerce and Insurance to have a valid license on file with the state. Tennessee Collection Service Act 62-20-105 ( a ) reads " No person shall commence, conduct, or operate any collection service business in this state unless such person holds a valid collection service license issued by the board under this chapter, or prior state law. '' According to your website ( https : //www.transunion.comXXXX  ) during the initial dispute process TransUnion should have contacted XXXX  XXXX XXXX about the information disputed, instructed XXXX   XXXX XXXX to review my dispute, to verify all information reported, provide Transunion a response to my dispute, and update their records and systems accordingly. But without a valid license this means that XXXX XXXX XXXX is operating as a collections agency in the State of Tennessee illegally and therefore any information provided to Transunion by XXXX XXXX XXXX is INVALID. Under the FCRA it is illegal for credit reporting agencies to report false/invalid information and therefore it must be REMOVED from my credit report. If you continue to report this on my credit report, I will find it necessary to pursue legal remedies up to including litigation seeking damages. I also fully intend to report XXXX XXXX  XXXX to the Tennessee Board of Commerce and Insurance as well as the FTC for its illegal practices.
Consumer complaint received 2018-09-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (MI)

chase will continue to lie to avoid dealing with the fraud and illegally claiming duplicates they know XXXX XXXX scammed me but he knows inside people and are getting help to avoid being held responsible for the mortgage fraud he committed against me. please reveal to all parties involved the mortgage fraud. i received a call from mr. XXXX of the cfpb this week. he said that on XX/XX/2018 XXXX XXXX confirmed the mortgage fraud on my complaint and it are being mailed to me. chase please confirm it to me
Consumer complaint received 2024-11-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (OR)

I sent my IDR application to Mohela to get out of the forced forbearance with XXXX XXXX, but they refuse to process it, and are blaming the courts, which is likely illegal- per their usual M.O.. Mohela is a criminal organization trying to steer me in the wrong direction and block my chances of XXXX at every turn with their willful incompetence.
Consumer complaint received 2024-11-24
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. (FL)

I am reporting unauthorized credit inquiries from the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. While I have applied for credit recently, I did not authorize these specific inquiries. I suspect they may linked to identity theft or an error. I've already filed FTC report and disputed the inquiries with the credit bureaus, but they have not been removed. These inquiries are negatively affecting my credit score. I'm requesting the CFPB 's assistance in having them removed from my credit report.
Consumer complaint received 2018-09-29
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: Experian Information Solutions Inc. (KY)

To Whom it May Concern, While checking my most recent report I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. ) XXXX XXXX XXXX XXXX XXXX " Requested '' XX/XX/XXXX 2. ) XXXX XXXX XXXX XXXX " Requested '' XX/XX/XXXX 3. ) XXXX- " Requested '' XX/XX/XXXX 4. ) XXXX XXXX XXXX " Requested '' XX/XX/XXXX 5. ) XXXX XXXX XXXX XXXX- " Requested '' XX/XX/XXXX 6. ) XXXX XXXX- " Requested '' XX/XX/XXXX 7. ) XXXX XXXX XXXX XXXX XXXX- " Requested '' XX/XX/XXXX 8. ) XXXX XXXX XXXX " Requested '' XX/XX/XXXX 9. ) XXXX via XXXX XXXX " Requested '' XX/XX/XXXX 10. ) XXXX " XXXX '' XX/XX/XXXX 11. ) XXXX XXXX XXXX XXXX " Requested '' XX/XX/XXXX 12. ) XXXX XXXX XXXX- " Requested '' XX/XX/XXXX 13. ) XXXX XXXX XXXX " Requested '' XX/XX/XXXX 14. ) XXXX XXXX " Requested '' XX/XX/XXXX 15. ) XXXX XXXX " Requested '' XX/XX/XXXX 16. ) XXXX   XXXX XXXX- " Requested '' XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611.
Consumer complaint received 2018-09-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: KEYCORP (NY)

On XX/XX/2018 Trump signed into law exempting certain banks from CFPB regulations. On XX/XX/2018 I got my first fee ... my bank, Key Bank, began charging " maintenance service charge '' of {$18.00} each. They also charged me a " foreign transaction fee, '' and told me it was due to buying something outside the country ... which I have done many times for baking or jewelry supplies. These are fees I have not had on that checking account since opened 10 years ago and nothing has changed with my use of the account. 

Fees appeared on the following dates : XX/XX/XXXX - {$18.00} - maintenance service charge XX/XX/XXXX - {$18.00} - maintenance service charge XX/XX/XXXX - {$0.00} - foreign transaction fee XX/XX/XXXX - {$18.00} - maintenance service charge Before XX/XX/2018,
Consumer complaint received 2018-09-30
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Community Health Investment Company, LLC. (IN)

I have 10 medical bills from three difference Doctor 's the total amount is {$1000.00}. My account number is XXXX with XXXX XXXX XXXX XXXX they also go by the name XXXX. On XX/XX/2018 at XXXX XXXX. I call XXXX and spoke with a representative by the name XXXX. I told XXXX that I have 8 others payment arrangements on other medical bills that I pay monthly. After talking with XXXX, myself and XXXX made a payment agreement plain that I would pay {$25.00} a month started on XX/XX/2018 and payment is due on the XXXX every month.On XX/XX/2018 I got a payment of {$25.00} due reminder statement letter from XXXX letting me know my payment is due by XX/XX/2018. On XX/XX/2018 I called and spoke with a live person form XXXX and made my $ XXXX monthly payment over the phone using my health saving account card my payment conforment number is XXXX. On XX/XX/2018 I called XXXX to make my monthly payment of {$25.00} the representative told me they sold my account. I asked for a supervisor the supervisor from XXXX told me her name was XXXX. XXXX told me she see where XXXX set up my payment agreement back on XX/XX/2018 and she is not sure why my account was sold on XX/XX/2018 to a company name XXXX XXXX after XXXX set up my agreement with me. 
I fill by XXXX selling my account to XXXX XXXX after our agreement and accepting my payment XXXX I suspect XXXX is making false or misleading representations and The FDCPA has broad and encompassing provisions against false or misleading representations ( 15 USC 1692e ). Section 807 prohibits a debt collector from using any false, deceptive, or misleading re By XXXX selling my account to XXXX XXXX they after our payment agreement XXXX broke Section 807 ( 10 ) prohibits the use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.presentation or means in connection with the collection of any debt. XXXX misrepresentation my identity to XXXX XXXX by selling my account. A creditor may not use any name that would falsely imply that a third party is involved in the collection. Section 807 ( 2 )  prohibits falsely representing either ( A ) the character, amount, or legal status of any debt ; or ( B ) any services rendered or compensation which may be lawfully received by the collector. 
I would like for XXXX XXXX XXXX XXXX, / XXXX to pull my account from XXXX XXXX make sure that XXXX XXXX didn't add this collection to all three credit report report. If so I want XXXX  and XXXX XXXX to remove this collection. want XXXX and XXXX XXXX to forgive this collection for all my troubles that I have do. I going to file 5 more complaint with other agencies. I want compensation from XXXX
Consumer complaint received 2018-09-29
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: World Acceptance Corporation (GA)

In XX/XX/XXXX, I became aware that my identity was stolen. I filed a police report with the XXXX Police Department in Georgia on XX/XX/XXXX. I have lived in Georgia since XX/XX/XXXX. There were numerous loans and accounts opened using my IL license and social security number. A XXXX XXXX XXXX account was opened on XX/XX/XXXX. A secured loan of {$2600.00} was applied for and accepted fraudulently in my name. Since the account has been open, I have called XXXX XXXX XXXX a countless number of times to dispute and make them aware of the fraudulent activity.  When I first started making contact with XXXX XXXX XXXX, they didn't have a customer service support team neither a fraud department. The only person I was able to speak to using the telephone number ( XXXX ) XXXX was the receptionist. Therefore, I sent my Identity Theft Affidavit and other supporting documents to the XXXX XXXX XXXX in XXXX, SC XXXX listed on my XXXX  report. On XX/XX/XXXX, my mother sent a letter to XXXX XXXX XXXX in my defense. I was not contacted about the documents and no one notified me to let me know that they were received. On XX/XX/XXXX, I disputed the XXXX XXXX XXXX account on XXXX. The results of my dispute were disclosed on XX/XX/XXXX. My dispute was denied by XXXX XXXX XXXX  and the account has remained. On XX/XX/XXXX, I called XXXX XXXX XXXX, and to my surprise, they now have a customer service support team. I spoke to a gentleman on the team to inquire about the denial. He was able to lookup the fraudulent account by using my name. He let me know that my documents were received from a year ago, however, there were notes in the account saying that there were missing documents, therefore, the account has remained open. I inquired about the missing documents and he stated that it wasn't notated. He said he would pass my case to his supervisor and would make it of upmost importance, and she would contact me. On XX/XX/XXXX I, again, contacted XXXX XXXX XXXX because I had not spoke to a representative from this company since XX/XX/XXXX. The receptionist, answered and transferred me to a voicemail. I left a message, and as of XX/XX/XXXX I have not been contacted.
Consumer complaint received 2018-09-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

To Whom it May Concern, While checking my most recent report I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. ) XXXX XXXX XXXX XXXX XXXX- " Requested '' XX/XX/XXXX 2. ) XXXX XXXX XXXX XXXX " Requested '' XX/XX/XXXX 3. ) XXXX- " Requested '' XX/XX/XXXX 4. ) TRASUNION XXXX XXXX " Requested '' XX/XX/XXXX 5. ) XXXX XXXX XXXX XXXX- " Requested '' XX/XX/XXXX 6. ) XXXX XXXX- " Requested '' XX/XX/XXXX 7. ) XXXX XXXX XXXX  XXXX XXXX " Requested '' XX/XX/XXXX 8. ) TRANSUNION XXXX XXXX " Requested '' XX/XX/XXXX 9. ) XXXX via TRANSUNION XXXX " Requested '' XX/XX/XXXX 10. ) XXXX " XXXX '' XX/XX/XXXX 11. ) XXXX XXXX XXXX XXXX " Requested '' XX/XX/XXXX 12. ) TRANSUNION INTERACTIVE IN- " Requested '' XX/XX/XXXX 13. ) TRANSUNION XXXX XXXX " Requested '' XX/XX/XXXX 14. ) XXXX XXXX " Requested '' XX/XX/XXXX 15. ) XXXX XXXX " Requested '' XX/XX/XXXX XXXX. ) XXXX XXXX XXXX- " Requested '' XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MN)

iam a victim of identity theft i ve been XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for four years and come back home and find a bunch of accounts on my credit report that i have no idea what it is and this is illegal i was never contacted or notified and mailed or emailed and i contacted these banks and asked for contracts and signatures to know who did this to press charges on somebody and no one responded or cared and this is illegal and as of 15 U.S CODE 1692g Validation of debts they should've notified me or mailed me called me but nothing like my life is nothing i have kids 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 604 A section 2 : it also states a consumer reporting agency can not furnish an 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, other than records of convictions of crimes which have dates the reports by more than seven years.15 U.S.C.1681s-2 ( a ) ( 1 ) A PERSON SHALL NOT FURNISH ANY OIONFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON knows or has reasonable cause to believe that the information in inaccurate please remove these fraudulent accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and these inquiries XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-09-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BOK FINANCIAL CORP (OK)

On the XXXX of XX/XX/2018 I visited my banks atm to deposit my paycheck and withdraw cash as well. After depositing my check, I made another transaction to withdraw XXXX $ from my checking account. The ATM made the sound as if it were dispensing my cash and did not open the slot where it comes out. And error message popped up on the screen and did not give me a receipt. Using my banks mobile banking app, a transaction for XXXX $ was showing on my account and was in fact credited from my account even though the atm failed to dispense my money. Giving that it was a Saturday night and the bank was not opened till Monday I waited to dispute the error made the following business day. I went in on the XXXX of XXXX and made a complaint. The Bank then credited my account for the XXXX $ dollars. I was never informed that there would be a investigation following the incident and now I have received a letter from my bank saying they could not identify an error in the transaction and would be taking back the XXXX $ refunded to me. This is theft of my money and am unsure what to do now. My banks ATM has a camera and I want them to check the camera to see that they in fact did not give me my money. I am very frustrated that a bank that I have been with for years would not look better in to this situation for me. Thank you.
Consumer complaint received 2018-09-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (CA)

There is an erroneous charge the XX/XX/2017 statement for the amount of {$2700.00}. labeled " adjustment Goods/Services extended payment option '' Reference : XXXX XX/XX/2017. How did this number get generated.In addation I would like to request a " AXP Internal '' audit for the year 2017.
Consumer complaint received 2018-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Transunion as of XX/XX/XXXX report has said that due to public records and high balances that it can effect my credit score. The law pass in XXXX states that no credit Bureau can place or use collections and Tax liens against you. It seems that Transunion does not follow the laws. Trans union is going off of 3 RD Parties in which has no support or proof of the real amount or if any balance or amount is correct. I also had ask 3 months ago for proof from Transunion in which no documented proof nor any proof from the source has been provided as. I requested documentation to support what there saying to high credit card limits & collections or liens. Transunion also has had bad issues after items have been deleted and no longer on my report. Transunion also does not factor how much was deleted by the creditor in error/ greater. With credit bureaus its no more than a game if you pay it off or closed the account TransUnion tries to use it against you. TransUnion has a creditor place bad information in which its recall and informs the credit bureaus of errors and to delete the such said itmes
Consumer complaint received 2018-09-30
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: Diversified Consultants, Inc. (IN)

Today is Sunday XX/XX/XXXX My name is XXXX XXXX. Current address XXXX XXXX XXXX XXXX XXXX, IN XXXX with a Mailing Address of XXXX. XXXX XXXX XXXX, IN XXXX. 

I have tried for more than a year to have Credit Bureau 's along with previous Creditor 's and ( UNAUTHORIZED ) Collection Agencies CORRECT/DELETE entries on my Credit Files due to VIOLATIONS of the FCRA, FDCPA, HIPAA OF XXXX, along with RISA AND the MVISA statutes to name a few. 

Not only are these " creditors ' in violation, but the " Credit Bureau 's '' as well. Even though I I have provided documented facts in the past, they maintain their records are accurate without providing verifiable proof of qualification. 

One of the many dates does go back, at least, to XX/XX/XXXX. 
I AM TIRED OF these companies CIRCUMVENTING the LAW!
Consumer complaint received 2018-09-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MiraMed Revenue Group LLC (AZ)

I got a notice for a service that was provided for my XXXX, My XXXX is double insured and there should not have been a payment that was due. I have reached out to the original creditor requesting for this to be bill through the secondary insurance as they did not bill both insurances. I have also contacted both insurance companies as well and informed them that I am getting bills for something that I shouldn't be getting them. I have not received one phone back from XXXX XXXX XXXX. or heard back from their billing department as well.
Consumer complaint received 2017-05-04
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: Williams & Fudge, Inc (TN)

XXXX   XXXX  y hired  Williams and Fudge  to collect a student loan. I am not aware of the amount due to the fact all my student loans are in deferment and if this is a student loan from  XXXX , it should also be deferred with my other student loans. I have reached out to  Williams  and Fudge o n  XXXX   XXXX  and  XXXX  of this year. They have failed to respond to my second letter. Please see letters attached. I have also disputed this matter with  XXXX . They claim they do not see a dispute for this account, but have a note on the account stating UNDER INVESTIGATION, which has been that way since  XXXX   XXXX  , 2017. P lease see attached document