davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-05
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. (FL)

If, any reinvestigation under paragraph ( 1 ) of any information distributed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall...

( 1 ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation ; and Account Name : XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Last reported date : XX/XX/XXXX Last active date : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-09-28
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Me and my ex-husband, of over XXXX  years, were issued a check from Bank of America for an escrow overage amount. I have made all payments over the last XXXX  years, which included the taxes and insurance. In the divorce, I was awarded exclusive use of the property via his signing of a quit-claim deed. I did all the research and changed homeowner 's insurance overage upon receiving a better price, thus lowering the escrow payments. In the past if an escrow occurred, the check would be made payable to him and myself. This meant if we wanted to cash it, both signatures were required ; if it was deposited, it had to be in a joint account where we XXXX were signers. what happened here is that he went into the account somehow and changed the mailing address and had the check mailed to him. I did not know he had done this, and upon discovering it, I contacted Bank of America. Although my name was on the check with his, they allowed him to cash it without my signature. This particular check did not have the word " and '' between the names, as the previous checks did. But being that we are both on the loan, they should not have made the assumption that the connecting word was " or ''. When I called Bank of America, they told me that he could do that because he is on the loan. So am I ; yet, they refuse to XXXX me any portion of the check. It should have been sent to the property address, where I could have the money since I made the payments and obtained the lower insurance premiums.
Consumer complaint received 2024-09-28
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: OneMain Finance Corporation (GA)

After a pre-approve on XXXX website the application didn't process as the site said I have a credit freeze on the account. There is no credit freeze and still got a inquiry on my report. I called to verify if the application went through and it didn't so I was given an email to send screenshots but no response from their department to resolve it. I have attached screenshots to show what happened.
Consumer complaint received 2023-08-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (SD)

MOHELA made several mistakes that are costing me money, time, and XXXX, which has been incredibly difficult as payments are set to resume in less than two weeks. 

Back in XX/XX/, I asked MOHELA to apply my incoming student loan payments to a particular loan. It ignored my request. 

On XX/XX/, I again asked MOHELA to apply my incoming student loan payments to a particular loan. It ignored my request again. 

On XX/XX/, I noticed that {$5000.00} disappeared from my account. I sent a message to MOHELA both anxious and frustrated about the situation. MOHELA responded saying that I requested a refund of this amount. 

On XX/XX/. I responded that I never requested a refund and wanted my balance restored. MOHELA responded that I needed to call them directly. I called later that day and the person on the phone said that I would receive a check in the mail. After further discussion with them, we decided that they could restore the balance online so they voided the check. They said it should be resolved in 3 weeks. 

XXXX XXXX XXXX. I reviewed my account and noticed the balance was not corrected. I called MOHELA and waited on the phone for two hours to speak to a supervisor. I have a supervisor recorded on one of our phone calls admitting MOHELA 's mistake and that they just needed a little more time. I asked for compensation for my trouble and they said no. 

XX/XX/. My balance is still not corrected. I am missing {$5000.00} and the check for it is voided. This is fraudulent. I called again and the supervisor told me that the people who need to fix the issue still haven't responded. The supervisor said he could pass it onto management who would see it in 3-5 business days and changes wouldn't be reflected for 10 business days. That will put my loans at XX/XX/XXXX where they will again be accruing interest ( on money that I already paid! And money that they withdrew without my consent! And has been missing for 3 months!! ). I am infuriated. This is the most incompetent, fraudulent group of loan servicers I have ever experienced. I had such a better experience with XXXX and wish I could go back. These guys are crooks and I still don't have my money back.
Consumer complaint received 2023-08-21
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. (FL)

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 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (SC)

My DMV report showing me not at fault for the three car accidents I was in but the reports the insurance company pulls saying that I was at fault. I wasnt even in my vehicle for two of them. I was in a work vehicle when I was hit by another car. I provided police reports with the DMV to have this information corrected but It still shows on the insurance end that I was at fault but on my DMV transcript I order shows that Im not.
Consumer complaint received 2023-08-21
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: Uplift, Inc (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-09-21
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. (TX)

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 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 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

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 Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or 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 2023-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of XXXX.
Consumer complaint received 2023-08-21
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: Bread Financial Holdings, Inc. (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-09-21
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. (NV)

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 2023-09-21
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. (SC)

In accordance with the Fair Credit Reporting Act XXXX  Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have violated my rights. 15 U.S.C. 1681 section 602 ( a ) ( 4 ) states that I have the right to privacy. 15 U.S.C. 1681b 604 ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-08-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (FL)

I have contacted Chime multiple times disputing a claim of multiple unknown charges totally over {$2000.00} and filing multiple rebuttals. Dispute # XXXX. Every one of my claims has been denied within hours of being filed. When I requested documentation of why my claim was denied, the only thing I was sent was a list of the charges and the intake form that was filled out when I called to file the claim. I called again, requesting additional information why my claim was denied and I receive the same documentation. I contacted the merchant myself and spoke with them, and they claimed there has been no dispute filed on my behalf from Chime, they dont have an account for me for any purchases, and that I needed to contact my bank for them to file a dispute claim. I again contacted Chime about this, and again was denied, and again received the same denial documentation, which was only a list of charges and the intake form. I sent them screenshots of the merchant information and explained that I spoke with the merchant, and they have no documentation of a claim filed on my behalf. XXXX opened a rebuttal and it was denied within five hours. Every time I call I get the same answer from Chime. They dont give me any documentation or information about the snail and they say the only thing they can give me a screenshot of the charges and the intake form to you. I explained to them that regulation E requires them to give me specific documentation about my claim denial, and they refused to give me that information, claiming they can only give me the screenshots I have been given. They will not allow me to talk to any of the investigators that work with disputed claim, And they wont give me any investigation information. I contacted the FDIC and the police to file a report and they stated they needed the documentation from Chime and when I asked chime about this, they told me again they could only give me the screenshot I am filing the claim against chime in hopes that they will actually do investigation and look into my claim. I did inform them that I would be filing this with you.
Consumer complaint received 2023-05-08
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (VA)

I.C. System Inc. Attempted to collect a debt on behalf of XXXX XXXX XXXX XXXX. The amount owed to XXXX XXXX XXXX before being passed to I.C. System IncXXXX was {$390.00}. I.C. System claimed a debt of {$1700.00}. After receiving notice from the Debt Collector I confirmed the real amount owed with XXXX XXXX XXXX who confirmed the {$390.00} was the correct amount. When contacting I.C. System Inc. and relaying the correct amount, the customer service agent said they saw the same numbers and had " been given the wrong number '' by XXXX XXXX XXXX. The Debt Collector said they would be adjusting the amount to the correct number and re-issuing the bill. It seems clear they attempted to get more money than what was actually owed until challenged. The medical service was rendered XX/XX/XXXX, the final statement was issued XX/XX/XXXX and the debt collection bill was sent XX/XX/XXXX, the conversations with both parties happened XX/XX/XXXX.
Consumer complaint received 2023-09-05
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am writing to inform you that I am aware of your non-compliance with the provisions outlined in the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 15 USC 1692c ( c ). It has come to my attention that your agency has engaged in abusive and deceptive practices in an attempt to collect an alleged debt.

I hereby demand that you immediately cease and desist all activities related to the collection of this alleged debt. Your abusive and deceptive practices are in direct violation of my rights under the FDCPA. I am well aware of the protections provided to me as a consumer, and I will not tolerate any further harassment or misconduct.

Furthermore, I exercise my right under 15 USC 1692c ( c ) to request the removal of any and all Information pertaining to this alleged debt from my consumer report. You are explicitly prohibited from disclosing or communicating any information about this debt to any credit reporting agency without my express written consent. I hereby withdraw any previous consent you may have had and demand that you cease reporting this debt to any credit reporting agencies immediately.

Please consider this letter as a formal notice of my intent to take legal action if your agency continues to engage in abusive or deceptive practices. I am prepared to protect my rights as a consumer and will not hesitate to pursue all available remedies under the FDCPA.

All future communications regarding this alleged debt should be directed to me in writing to the address provided above. Phone calls or any other form of communication will not be accepted.

I expect your immediate compliance with this cease and desist notice. Failure to do so will leave me with no choice but to take appropriate legal action to protect my rights.
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (UT)

I've set my loan up on auto pay multiple times and told it was only to find after payments were late there was no record of me setting it up because it was done in the branch and they refused to remove negative items
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I have already brought this matter to XXXX, EXPERIAN AND XXXX. attention However, THEY have failed to take appropriate action to investigate and delete inaccurate information within the legally required timeframe. This failure to comply with the FCRA, despite having been notified, constitutes willful noncompliance as outlined under 15 U.S. Code 1681n. 

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 Impact of Noncompliance : Due to your failure to address this issue properly, I have suffered damages, including but not limited to : Lower credit score : Resulting in the denial of credit or higher interest rates. 
Emotional distress : Caused by the negative impact of inaccurate credit reporting. 
Financial harm : Due to credit denials or unfavorable terms for loans or credit lines. 
My Demands : In light of the harm caused by your willful noncompliance with the FCRA, I am requesting : Immediate removal of the inaccurate information that your company is reporting to my credit.

If you do not remove these accounts, I will be forced to sue You should also know that I am keeping a record of all communications relating to this matter including this letter. Should the issue not be resolved within the statutory period, I reserve the right to pursue legal remedies.15 USC 1681n - Civil liability for willful noncompliance Compensation for damages : I reserve the right to pursue legal action under 15 U.S. Code 1681n to seek actual damages, statutory damages, and punitive damages, along with attorneys fees and costs if necessary.