davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-23
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. (MO)

I am writing to dispute the late payment reported on my credit report. The late payment listed is inaccurate as I have consistently made payments on time. In compliance to 15 U.S. Code 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Your agency is in violation!

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 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-08-28
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. (CA)

After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquires on my credit report.Please dispute and remove listed fraudulent inquiries from my credit report XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> 2024
Consumer complaint received 2024-03-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (PA)

On XX/XX/2023 I purchased a pair of XXXX XXXX XXXX XXXX XXXX XXXX XXXX' for a sneaker app called XXXX  for XXXX. Once I received them in the mail I could tell they were not authentic and requested a return to XXXX. I sent the shoes back to XXXX  and was told that I would receive a refund but never did so I disputed the charge in the amount of XXXX. I sent PNC bank all of the information they requested via email about the transaction however I was only credited XXXX dollars from that transaction. This is due to another credit that was given to me by XXXX  in the amount of XXXX for a completely different pair of shoes. On XX/XX/2023 I order a pair of XXXX  XXXX XXXX XXXX and upon arrival they shoes appeared to be worn and in the wrong box so I sent them back to XXXX for a refund of XXXX. The refund of XXXX that I received from XXXX  was for the XXXX XXXX and not the XXXX XXXX XXXX XXXX XXXX XXXX XXXX so I'm still missing XXXX from my account because the dispute amount credited should have been XXXX and not XXXX dollars. I called customer service and spoke with them and disputed the transaction again and it was quickly denied and yet here I am still missing my XXXX.
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Transunion is reporting fraudulent inquiries on my credit profile after I have asked them multiple times to remove them. They are being paid by companies that I never did business with to report false information on my credit profile causing great harm to my credit and making me look bad to creditors. I have never authorized these inquiries, and I demand that they be removed from my credit profile. I know that only XXXX XXXX information can be reported on my credit profile and that any inaccurate Information must be removed. These inquiries have caused me to be denied credit and have caused me great financial harm because I can't obtain credit and was denied several loans due to this inaccurate information, they refuse to remove them from my credit report. I am asking that the CFPB make this company abide by the FCRA rules and demand them remove the inaccurate and false information on my credit report. The inquiries listed below do not belong to me. I never gave them permission to obtain my credit profile or gain access to my social security number. 
REMOVE NOW >>>>>>>>> XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (VA)

Since XX/XX/XXXX I have request MOHELA put me on a PSLF approved repayment plan. They never set me up on a plan and have multiple times ( XXXX, XXXX, XXXX ) put me into repayment without processing my request to get on a payment plan or notifying me I am going into repayment. Most recently after they incorrectly resumed my payments, I called them Thursday XX/XX/XXXX, and they put me in a 2 month processing forebearance. Now I just got an email today from my credit agency that I have a late credit report from MOHELA. I logged into MOHELA and it says I have a payment due today ( XX/XX/XXXX ), but there is no record of them communicating a change in my payment vs forebearance status. I've contacted studentaide.gov multiple times to get this corrected and they have not done anything but forward my request to MOHELA who has taken no action. On XX/XX/XXXX I contact my Senators office, XXXX XXXX Virginia, for support but have not heard back yet.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I have not supplied proof under the doctrine of estoppel by the silence XXXX. v XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX XXXX XXXX {$990.00}, XXXX XXXX  Bal. {$0.00}
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was alerted by XXXX XXXX of XXXX separate credit inquiries. One involving XXXX XXXX XXXX on XX/XX/2024. The other involving XXXX Bank on XX/XX/ 2024. I did not make either inquiry and am the victim of identity theft. 

The inquires damaged my credit score.
Consumer complaint received 2023-03-05
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: EQUIFAX, INC. (IL)

15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I have tried to contact by mail/phone to CREDIT agents several times to delete inaccurate information on my consumer report. Equifax and XXXX are reporting income on my consumer report. I have sent out several letters of reinvestigation m. charge off need to be deleted immediately. I have call both CREDIT agents and send letters. Account XXXX XXXX XXXX ( XXXX ) need to be delete it according to IRS this is gross or ordinary income. I did not receive a 1099c from creditor. XXXX and Equifax reported inaccurate information on my consumer report. b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. According to FCRA section 623 is a violation that both credit agencies have been reported on my consumer report every month as a charger off. This Need to be deleted.
Consumer complaint received 2024-08-26
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. (PA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (CA)

Mohela began double reporting my student loan to the credit bureau ( at least XXXX ) in XX/XX/year>. It has tanked my credit. I have proof that what they've reported is inaccurate ( previous credit reports, statements and information from the Department of Education ) that can confirm it is being double reported.
Consumer complaint received 2024-11-20
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 a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
( XXXX XXXX XXXX XXXX ACCOUNT # XXXX DATE OPEN XX/XX/year> AMOUNT {$25000.00} ), INQUIRES - XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-26
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. (MD)

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

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights.

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 informationisinaccurate. 
Please remove these Inquiries from my credit report. 
These inquiriesarelisted :
Consumer complaint received 2024-11-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NC)

Subject : Urgent Request for Refund of Outstanding Charge Dear Chase Corporate Escalations, I am writing to follow up on an unresolved issue regarding a refund for a service that was not delivered. I had ordered XXXX XXXX XXXX from XXXX XXXX, XXXX, but the service was not provided. The merchant agreed to a full refund in writing but has failed to issue it. 
I contacted Chase and provided proof of the merchant 's admission of negligence and fault. Despite this, and despite filling out a form from Chasewhich I found misleadingI submitted the form to a Chase teller in XXXX, NC. 
Chase has refunded 2 of the 3 charges, but the remaining {$36.00} charge remains unresolved. I believe this delay may be intentional. Additionally, Chase sent the form by mail and required its return on the same day, which was not feasible. 

I plan to request the North Carolina Department of Justice ( NCDOJ ) to forward my complaint against XXXX XXXX, XXXX, to you as well. I filed an online police report against XXXX XXXX It was rejected because theft by deception complaints have to be taken by phone and not submitted online. I have been informed that XXXX XXXX has a background in banking, which might explain her ability to avoid accountability. 
Chase has all the necessary information to process the refund for the remaining charge. Please ensure that the {$36.00} refund is issued promptly. This request also aligns with the American with Disabilities Act ( ADA ), as timely resolution is crucial for me. 
Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX goes by the names XXXX XXXX and XXXX XXXX. The emails associated with her accounts are XXXX, XXXX ( XXXX XXXX ) and XXXX Also please note XXXX XXXX has refused to remove me from email list despite unsubscribing and emailing her numerous times to remove me off her email list. The latest email was on XX/XX/year>. It included the sentence " I've been dying to tell you all about it! ". When I sent an email to NC DOJ including her and informing them of the continued emails she text me twice on XX/XX/year> at XXXX and XXXX. The numbers that show up on my cell phone from her is XXXX and XXXX XXXX  should not be contacting me by phone, email, text, etc. 

Please refund the last {$36.00} immediately. Chase has all information. I also want to highlight XXXX 's service online was intentionally misleading to think it was just one charge of {$36.00}. 

I also saw a XXXX and XXXX when ordering online. 
I was charged 3 times for a total of {$100.00} In a follow up email to XXXX XXXX after numerous following up with no response she responded the service was 3 payments of {$36.00} or one fee of {$150.00}. 

This made no sense.
Consumer complaint received 2024-10-04
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: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

The latest information is that XXXX XXXX, Resolution Specialist Regulatory Complaints Bank of America XXXX Extension XXXX was assigned my case via email. This is probably the 10th PERSON that has been assigned my case. I have saved all the emails for the individuals assigned my case. I call the number, leave a message, and never received a call back. I also follow up with emails stating to call my phone ( XXXX ) XXXX and never get a call. 

Bank of America has a system in place where people will just give up due to the above issues. I have been trying to get this resolved since XXXX and only expect reports on the credit cards listed in my name!!! NO MONEY EXPECTED from Bank of America, I just need them to do their job on the accounts in my name. Since the fraudulent charges are significant in my case, I will NEVER give up. I need help because the person I was married to for XXXX  years has stolen over {$10.00} XXXX dollars and a large portion is through credit card fraud ( XXXX, XXXX, XXXX  etc with funds going into an account associated with XXXX XXXX ). I thought Bank of America would help me because of my long standing great relationship with them for 20+ years and all bills paid on time. I have more cards and will issue complaints on them as well. I will issue those as soon as I get the XXXX XXXX convictions underway for mail and wire fraud. 

Thanks
Consumer complaint received 2024-09-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (IN)

Ive sent multiple copies of the letter I received from Federal Student Aid to MOHELA. Once they hit noncompliance on XX/XX/year>2024 I sent over XXXX copies of the letter every day. Ive sent daily emails with no response. When they do respond it is a blanket response? To get a real response I have to hurt their feelings and its just whining that I hurt their feelings. They havent done their jobs at all and now refuse to comply. I am not paying these loans. Ive done my time in public service and I have a legal document saying I dont have to. After all their belligerence they sent me a statement telling me I owe them for my next payment when I do not. They are legal required per HR2669 to reduce my balance to {$0.00}. If they would just comply, we would never have to deal with each other again. I filed a XXXX XXXX XXXX  complaint and they ignored it too. This company is reckless and predatory.
Consumer complaint received 2024-09-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (MI)

I had a homeowner 's policy with XXXX in XXXX as a requirement for financing. The financing was not approved, due to a title issue. I decided to rent the property, and XXXX did not offer a landlord policy. I cancelled the homeowner policy in writing. It was confirmed, apparently, by the fact that my auto payments were no longer debited. In fact, I had overpaid for the prorata period of coverage and was owed a refund. 

Later, I received collection calls. After inquiry, I found out that XXXX had continued to charge me for a policy beyond my cancellation date, and then " cancelled '' my policy and sent the " balance '' to collections. I was never sent any delinquency notification by email or mail. 

I attempted to resolve the issue with XXXX. They told me XXXX ) that they did not " accept '' cancellations in writing. XXXX ) That the cancellation was not " accepted '' because I did not enter into another policy. XXXX ) AAA only communicated by mail to the subject property address, even though it does not accept written correspondence on the policy and all of my documents were sent online. XXXX XXXX XXXX had suspended my automatic payments in XX/XX/XXXX, but for no reason which could be explained or was related to my cancellation. 

These acts were specifically in violation of Michigan law under MCL XXXX ( XXXX ) ( a ) ( b ) ( c ). 

In XX/XX/XXXX, I disputed the collection reporting to the credit agencies and reported it to CFPB and DIFS ( Michigan ). The account was deleted from my report in the same month. However, XXXX recently " updated '' the account to re-appear on my credit report, adversely affecting my credit score and terms under which I received a credit card.
Consumer complaint received 2024-10-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NY)

I was enrolled in the SAVE program AND I am in school and therefore in an in-school deferment period. I was sent multiple notices that I needed to pay my loan and then a statement that I was past due on my account. 

I called the servicer multiple times, my school sent in information that I was enrolled, and they did not put me in deferment. 

I have 3 loans under them and one was finally put into deferment, but the other two were not despite my calls. They said I needed to wait some time for the school 's information to register. Months later I received notice that I was past due on a separate loan while another loan was in an in-school deferment. 

My issue has since been resolved. However, I am worried about the life of my loan going forward given this. I am also worried that I'd be reported as being past due with payments to credit agencies when I should not have had a payment due to begin with.
Consumer complaint received 2024-08-26
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: EQUIFAX, INC. (FL)

I am writing to disputed acount on my credit report that were withoit my consent. According to section 604 of the FAIR CREDIT REPORTING TO SECTION ( 15 U.S.C 168 1B ), THETE ARE SPECIFIC PERMISSIBLE PURPOSES FOR OBTAINING A CREDIT. I did not authorize these account and can not find any permissible purpose under this section that justifies their presence on my report. Hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX