davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Card Receivables Fund Incorporated (WI)

There are many charges on this account that were not made by me. I contacted XXXX XXXX XXXX XXXX XXXX several times on and around XX/XX/XXXX. I told them there were many charges on this account that were not mine and there needed to be an investigation done. They would not take steps to look into the problem. I told them I was not going to make any more payments till it was investigated. They got fed up and tired of arguing about the debt and then sold the debt to XXXX XXXX XXXX, XXXX on XX/XX/XXXX. Same problem with this XXXX XXXX XXXX XXXX, I contacted them, explained the situation to them and nothing was done, or looked into, or investigated. I told them that many of the charges were not mine and I need all the information about the account to prove my case. They then just told me to pay the bill. I believe they do not have the Information, or are holding it back because they do not want me to be able to prove my case. They just want to get a Judgement on that Ridiculous Number they have listed on the Summons. All they care about is making a huge profit off a debt they pay pennies on a dollar for. On XX/XX/XXXX XXXX XXXX XXXX sold the debt to another debt collector Unifund. They hired a XXXX XXXX of XXXX XXXX to sue me for the debt. I tried discussing it with them and they told me to set up a payment plan. I told them I am not responsible for the hole debt and am not paying till the fraud issues are resolved. They filed a small claims law suit in court and will not get back to me, or discuss any investigation, or settlement options for my part in the debt. Another thing is they sued and on the Law Suit and there are Two people at my mailing address with the same name, only the middle initial is different. I do not think they know who and which one they are looking for., and have all the proper documentation to prove it. or have investigated it, and found fraud charges but do not want to admit it. Thank you
Consumer complaint received 2023-11-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (IA)

I have had multiple issues with my loans since they were switched to MOHELA. First, the loan payoff calculator was not working on the site. So when I tried to pay off a loan in full, I accrued interest during the time the payment processed and was unable to fully pay off the loan. When I called MOHELA, I waited for over an hour, then got disconnected, and no one called me back ( despite asking me for a call back number in case of disconnection ). I then sent a message through the portal, and the response was that I had already called about this issue and to call again with further questions. When I replied to that email, I received a standardized answer detailing loan repayment. 

The larger issue is accruing interest. I am in repayment and on the SAVE plan. I made my payment ( the full required payment ) on XX/XX/XXXX ( was due XX/XX/XXXX ). Under SAVE, the remaining interest is supposed to be forgiven. I have continued to accrue interest since this payment. When I called MOHELA, I was told that they do not know when remaining interest will be forgiven and that I must log on daily to check my account and time it correctly in order to make additional payments that would go towards my principle balance. There was no further suggestions on how to predict when this would happen. I have checked my account daily, and continued to accrue interest. Today ( XXXX ) my interest for each loan has gone down, but is still not XXXX. So any additional payments would still go towards the interest. I received documentation from MOHELA detailing the SAVE plan, yet this is not what is happening. This is hundreds to thousands of dollars that we are playing around with, and MOHELA is taking no responsibility and has no answers as to why the interest has not been forgiven. 

It is very frustrating to call the loan servicer and have no answers. I am working hard to pay off these loans, and it will be impossible if the interest is not forgiven as it should be. I also don't feel I should have to log in DAILY to check to see if and when this happens. Especially since I have no idea what to expect, or when I've missed the window for when it should be forgiven- does it restart on the XXXX each month? After a payment? There has been no clear communication for borrowers. MOHELA 's communication and customer service is unacceptable. It seems like they are purposely not forgiving interest so that they can make more money.
Consumer complaint received 2024-10-10
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. (IN)

Please remove these fraudulent accounts from my credit report, as I did not open them and was unaware of their existence. According to USC 1681g, I request their deletion within 15 days. Enclosed are supporting documents.
Consumer complaint received 2023-11-02
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. (CA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-11-03
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)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-11-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (NY)

On XX/XX/XXXX at XXXX and at XXXX my debit card was unlinked from my account another card was added and my money was deposited into that account. I contacted cash app support to let them know about the issue they did an investigation of XXXX mins and denied my claim. I then ask for them to send the documents on why it was denied and it has yet to be sent even though it took them XXXX mins to deny
Consumer complaint received 2023-08-11
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. (TX)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (IL)

to my consern iam writing to request the removal of unauthorized credit inquiries on my experian credit report my latest credit report shows 12 credit inquiries i did not authorize XXXX  11 credit inquiries i did not authorize
Consumer complaint received 2023-11-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY (FL)

XXXX XXXX XXXX XXXX. XXXX : I claim Wells Fargo perpetrated XXXX  and intentional gross negligence on me as a mortgage Consumer from XX/XX/XXXX to XX/XX/XXXX 1 ) From XXXX of XXXX to XXXX of XXXXXXXX  Wells Fargo denied approval of loan modification due to over XXXX false entries on my mortgage account history that directly resulted in denials of loan modifications. examples of statements in my account history posted by Wells Fargo : I am XXXX, I am a man, I am XXXX XXXX XXXX, I had a baby, I am in the military, that loan modification options are exhausted ( 10 months prior to submitting the initial Request for Modification Approval ( RMA ). 
2 ) Wells Fargo also did not apply payments that were made by me from XXXX XXXX XXXX. 3 ) Wells Fargo illegally dual tracked my by suppressing decisions on a loan modification while filing foreclosure on me at the same time XX/XX/XXXX violating RESPA laws. 

Please see 50 pages of documentation to support my complaint/claim. Including the following : 1 ) 200 of the 1600 false entries made by Wells Fargo from XXXXXXXX XXXX XXXX ; and 2 ) copies of mortgage statements showing unapplied funds ; and 3 ) to support the claim of illegal dual tracking - copies of the XXXX XXXX and court case documents that occur simultaneously with the dated entries on the Consumer 's account for loan modification decisioning made by Wells Fargo. Also copies of the entries where Wells Fargo intentionally suppressed the loan modification decision to the Consumer in an attempt to `` avoid '' the appearance of dual tracking.
Consumer complaint received 2023-11-02
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: U.S. BANCORP (AL)

I applied for mortgage relief in XXXX due to loss of income related to COVID 19. After several months and getting the VA involved, the loan modification was approved but added a second mortgage and ten additional years tof payments o my mortgage account. I went into foreclosure this year, unbeknownst to me, because XXXX  was returning my payments. I finally got this settled and got my loan reinstated only to be hit with an escrow analysis and {$600.00} mortgage payment increase. US Bank, the mortgage company, is attributing the {$600.00} per month increase to the homeowners insurance company, USAA. The premium increased by {$2500.00}, from {$5000.00} to {$7600.00}. If I do the math, this is an increase of {$210.00} per month for the annual increase of {$2500.00}. I do not pay property taxes because of my XXXX  disability rating. Neither company has adequately explained to me why my mortgage increased by {$480.00}, from {$1700.00} to {$2200.00}. Furthermore, my account was reinstated in XXXX and the escrow was analyzed in XXXX. Im being told my mortgage escrow account will be reanalyzed again in XXXX. I closed on the house in XX/XX/XXXX and my escrow is usually analyzed in XXXX. I am not sure why the escrow account is being analyzed multiple times per year. The analysis impact my monthly payments which is a big deal for me right now. Furthermore, I feel as if XXXX and US Bank are in cahoots with each other since XXXX referred me to US Bank for my mortgage when I initially started this process. When I asked XXXX what the rebuild estimate was based on, I was told the characteristics of my home not the market value. This makes no sense to me since no homes in my neighborhood are priced at $ XXXX. I dont understand how the rebuild price is more than a new build price for a nighborhood with homes ranging in price from $ XXXX to $ XXXX. I also asked if my home were to be a total loss today, would XXXX pay me the insurance value or the value of what was owed on my home and I was told the rebuild value but dont believe that response. Consumers should be able to decline insurance premiums over and above what they owe on their mortgages.
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

I DISPUTE MY OLD ADDRESS ON MY CREDIT REPORT, AND THERE STILL THERE. I REQUESTED ON XX/XX/2023, XX/XX/2023, XX/XX/2023 AND STILL TIL THIS DAY, THEY HAVENT RESPOND. THE OLD ADDRESS ARE AS FOLLOWED.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE HELP GET THEM REMOVED.
Consumer complaint received 2015-11-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I had XXXX credit card with XXXX XXXX XXXX which was opened in XX/XX/XXXX, and an auto title loan which was opened in XX/XX/XXXX. The auto loan was paid in full. The credit card was included in bankruptcy in XXXX, but all payments were made on time until XXXX XXXX when I lost my job. TransUnion has the XXXX auto loan listed as a credit card opened in XX/XX/XXXX, and has deleted the actual credit card information. XXXX has the XXXX auto loan listed correctly, but states that the credit card was opened in XX/XX/XXXX. This has created a XXXX point discrepancy on the credit reports. I have disputed the information via XXXX XXXX at least twice, but the information is incorrect, and does not even match. I phoned XXXX XXXX XXXX, XXXX, in an attempt to rectify this. XXXX 's representative told me that their computer system lists the credit card as being opened in XX/XX/XXXX, as older records have been archived. I was told by the XXXX representative that they will research it if disputed again. I just want the information to be reported correctly.
Consumer complaint received 2023-08-29
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. (NJ)

I am using my rights under the FCRA to contest any information on my credit report that I believe is not accurate. The data included in my credit report must be documented and validated before it is included on my report. I can't recognize or accept the allegation of delinquency and derogatoriness without factual proof. I challenge the reportability of this allegation, which doesn't meet federal or state reporting requirements.For any account that is alleged to be delinquent or derogatory, I request evidence that shows why the account is considered to be in that state. This should include proof of a permissible purpose for any inquiry into the account. I am giving you 30 days to investigate the matter and confirm that it is being reported correctly or remove it from the report. I would like for you to mail me physical proof of your actions and my updated credit report.These allegations appear to be inaccurate. Please provide accurate and verified information for each claim. If any of these claims are not true, please delete them immediately.
Consumer complaint received 2023-08-29
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. (NJ)

I am using my rights under the FCRA to contest any information on my credit report that I believe is not accurate. The data included in my credit report must be documented and validated before it is included on my report. I can't recognize or accept the allegation of delinquency and derogatoriness without factual proof. I challenge the reportability of this allegation, which doesn't meet federal or state reporting requirements.For any account that is alleged to be delinquent or derogatory, I request evidence that shows why the account is considered to be in that state. This should include proof of a permissible purpose for any inquiry into the account. I am giving you 30 days to investigate the matter and confirm that it is being reported correctly or remove it from the report. I would like for you to mail me physical proof of your actions and my updated credit report.These allegations appear to be inaccurate. Please provide accurate and verified information for each claim. If any of these claims are not true, please delete them immediately.
Consumer complaint received 2023-11-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (NY)

I have submitted a complaint to the NY XXXX, after which I received a call from a certain XXXX XXXX, she said she would call afterwards which she didn't, then I tried to call her XXXX times and couldn't reach her. 

The biggest problem is that my account was closed and my debit card is not working.
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

XXXX did not properly notify my of payments starting again, should have been sent in the mail. I found out threw my credit report. In XXXX I followed the process that XXXX ask me to do to become to bring my account to a current status or forbearance. My Account was in current status as of XX/XX/23. XXXX then reported to the agencies that I was past due again on XX/XX/23. XXXX stated that they could not change this, but this is clearly inaccurate reporting. And if this much is inaccurate then what else or they falsely reporting on consumers. And it appears that no XXXX is really doing a thorough investigation into this situation. I have documents from XXXX that states I owe nothing until XXXX but the continue to fill my credit with 90 days past due. XXXX past do in XX/XX/XXXX past due in XXXX that equals 180 days past due. But they reported me current in XXXX, XXXX and XXXX. Clarification is still needed.
Consumer complaint received 2024-10-30
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION (MN)

CREDITACPT # XXXX Opened XX/XX/year> balance of {$6400.00} 1.I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative.

2. I disput the missed payments and the late payments on this account please provide statements and records of all payments made and missed since i opened account.
Consumer complaint received 2023-11-03
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (GA)

REFERENCE # XXXX | I am writing to express my deep concern and frustration regarding the recent denial of my application for the Sam 's Club XXXX XXXXXXXX, issued by Synchrony Bank. I recently received a denial notice citing " Insufficient Credit from trade references '' as the reason for rejection. 

I must vehemently object to this reason, as it is not only inaccurate but also a clear violation of my rights under the Equal Credit Opportunity Act ( ECOA ) and the Fair Credit Reporting Act ( FCRA ). Both statutes mandate fair and accurate reporting, as well as the provision of equal opportunity for credit. 

Furthermore, I would like to bring to your attention that the denial notice provided to me did not comply with the requirements set forth in 15 USC 1611 and 15 USC 1681m of the Fair Credit Reporting Act. The notice not only failed to identify the source of the information used in making the adverse decision but also neglected to disclose the name and address of the consumer reporting agency ( CRA ) that provided the report. These omissions are direct violations of federal law, which mandates that consumers be informed of the sources and CRAs providing information that adversely affects their credit applications. 

My credit history spans over a decade, with an impeccable record of on-time payments across various trade references, both on my business credit profile and personal credit profile. This includes a flawless track record of never missing a single payment. Therefore, the claim of insufficient credit is unfounded and contradicts the information present in my credit reports ( false information ), which according to 28 U.S. Code 4101 is clear defamation of my character and also illegal.