davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-15
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)

Between XX/XX/XXXX to XX/XX/XXXX and XXXX and XXXX unauthorized inquires where report on my credit report on Transunion XXXX and XXXX. I informed the 3 credit reporting agency that was not my and request to delete this unlawful reporting. XXXX and XXXX quickly act and delete this reporting items right away. Transunion refuse to delete this even me explaining that I have a credit freeze and nobody call me from those institutions to verify was me. Under the FCRA law this unlawfully reporting should be delete right away. Please see inquires below. 
Inquires Dates XXXX XXXX XXXX. XXXX. 
( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX XXXX  ( Auto ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Bank XXXX XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have previously disputed the alleged public record with you and still have not deleted from my consumer file. The alleged public record you are reporting concerning me is inaccurate and also unverifiable by you. I have contacted the court on record listed on your report, XXXX, AND XXXX XXXX XXXX. They all have advised that they neither provide or verify court records to you all nor any other third party. My consumer file with XXXX does not show any bankruptcy, because there is none. Please see the attached. According to Federal Rules of Bankruptcy Procedures- Rule 9037. Privacy Protection For Filings Made with the Court only certain information are listed which may include the last four digits of the social security number, the year of the individuals birth, the last four digits of the financial-account number. Therefore, you could have not possibly verified and I request that you delete the alleged public record and send me an updated copy of my consumer credit report. In addition, I was denied credit due to the inaccurate reporting of my credit. Please see attachments.
Consumer complaint received 2024-08-02
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 hope this letter finds you well. I am writing to formally request the removal of several unknown items from my credit report. After reviewing my credit report, I noticed multiple entries that I do not recognize and did not authorize. These entries are causing me significant concern and have impacted my credit standing.
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, 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 have sent in multiple disputes to remove this inaccurate information off my credit report. Every time I send a dispute to Transunion they send a a stall letter and refuse to investigate. This account with XXXX XXXX XXXX Account Number : XXXX is not an accurate account. I have had the same XXXX account for years and have never changed accounts. The previous collection company this account was sold to was removed off my credit report for being inaccurate and then this account was sold to XXXXXXXX XXXX  XXXX. This issue has caused me a great deal of stress and XXXX because its stopping me from purchasing my first home and get what I need in order to provide for my family.
Consumer complaint received 2024-08-02
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. (NY)

I am writing to bring to your attention an urgent matter regarding a credit card account in my name. This account was opened and utilized without my knowledge or consent. Despite flagging this account as fraudulent, I have been informed by XXXX XXXX that I am responsible for the outstanding balance. It was only after applying for a mortgage that i learned of the account. I have attempted to resolve this issue multiple times, but I have been repeatedly redirected without receiving any meaningful assistance. I am seeking your help to rectify this situation promptly.
Consumer complaint received 2023-06-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MI)

This complaint is in regards to the Wells Fargo Settlement. I have not been contacted by them regarding this, but I believe that I am one of the customers affected and is due a payment. I did call the Customer Service number ( XXXX ) XXXX today at XXXX. to inquire. I was told that if I am eligible they would contact me. The agent said that there was no way for him to check on it, using my personal information. He did agree to take my phone number in case of follow up. In that regard, I am requesting that a complaint be lodged in order to determine if I am indeed eligible for compensation. The reason why I believe that I am affected by his settlement is : I purchased my home in XX/XX/XXXX. The Mortgager was Wells Fargo. On or around XXXX, I started to have difficulty and fell behind in mortgage payments. I attempted, several times, to obtain a loan modification, without success. I was repeatedly denied attempts to re-work my mortgage. In early XXXX I submitted a payment for all the arrears ( {$3000.00} ). Those funds were returned to me ( not sure why ). I then started receiving notices from an attorney XXXX XXXX, I believe was the name of the law firm ). My only recourse was to file XXXX  XXXX and include the house in it, in order to stop the sale. In XX/XX/XXXX, my loan was released to another mortgage company. I have not heard from Wells Fargo since.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OR)

I am XXXX XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-08-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (AR)

I received a message XXXX days before my birthday my account would be closed in 30 days it said XXXX, Following a recent review of your Chime Checking Account, we regret to inform you that we have made the decision to end our relationship with you at this time. Your Checking Account will be closed on XX/XX/year>. 
Before XX/XX/year>, you are encouraged to transfer your funds out of your Checking Account. Once your Checking Account is closed, a check for any remaining balance will be mailed to you within thirty ( 30 ) days of XX/XX/year> to the address we have on file for you. 

I have had chime for years this is not telling me what I did wrong! The only thing I can see is when I accidently put my chime account info for a deposit from my XXXX page for some tshirts I made in which when I notice I put the wrong info I changed it. Thats all I could see I have even when them for years this is wrong
Consumer complaint received 2024-08-23
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: AMERICAN EXPRESS COMPANY (CO)

I booked hotel accommodations through AMEX and did not purchase trip insurance via the booking site because I believe that my {$690.00} annual fee was for this type of coverage. My flight was canceled and XXXX did not reimburse me for the hotel charge. I submitted a claim to AMEX and was denied hotel reimbursement because my flight was booked with points and travel credits I am requesting a full refund of the {$690.00} annual fee from amex as it is a scam and purposely misleading to the consumer on the apparent travel insurance protections
Consumer complaint received 2024-08-22
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: LEXISNEXIS (CA)

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 informationisinaccurate.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (AL)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION (TX)

I have not received 1099-C the LOC was closed and discharged profit and loss and sold to a 3rd party without my consent. Third party reached out via email demanding payment. BANKS play games. Customer doesnt know anything. Collections doesnt know anything. 

XXXX. NO INTEREST RETAINED IN RIGHT TO PAYMENT THAT IS SOLD ; RIGHTS AND TITLE OF SELLER OF ACCOUNT OR CHATTEL PAPER WITH RESPECT TO CREDITORS AND PURCHASERS.

LII Uniform Commercial Code 9-318. NO INTEREST RETAINED IN RIGHT TO PAYMENT THAT IS SOLD ; RIGHTS AND TITLE OF SELLER OF ACCOUNT OR CHATTEL PAPER WITH RESPECT TO CREDITORS AND PURCHASERS.

9-318. NO INTEREST RETAINED IN RIGHT TO PAYMENT THAT IS SOLD ; RIGHTS AND TITLE OF SELLER OF ACCOUNT OR CHATTEL PAPER WITH RESPECT TO CREDITORS AND PURCHASERS. 9-318. NO INTEREST RETAINED IN RIGHTS 5-108. Issuer 's Rights and Obligations LIIUniform Commercial Code 5-108. Issuer 's Rights and Obligations determined by the standard practice referred to in subsection ( e ), appears on its face strictly to comply with the terms and conditions of the letter of credit. Except as otherwise provided in Section 5-113 15 U.S. Code 1637 - Open end consumer credit plans he Uniform Consumer Credit Code ( UCCC ) is a draft law, adopted by 11 states, that governs consumer credit transactions. It establishes rules related to the issuance and use of all types of credit products from credit cards to mortgages.XXXX XXXX XXXX The Truth in Lending Act ( TILA ) and the CARD Act are the two major laws that govern credit cards. The Truth in Lending Act requires credit card companies to disclose the key terms of the credit card in the application.

The Fair Credit Billing Act ( FCBA ) protects consumers against inaccurate or fraudulent credit card charges and other billing errors.XXXX XXXX XXXX No credit card shall be issued except in response to a request or application therefor. This prohibition does not apply to the issuance of a credit card in renewal of, or in substitution for, an accepted credit card.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (FL)

On XXXX XXXX XXXX my information were using without my knowledge.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC (FL)

The company keeps telling me they have been escalating the issues of a misapplied payment since XX/XX/XXXX and nothing has been resolved. I made the two {$80.00} payments on XX/XX/year> and I've attached screenshot proof which I faxed to them this as well. First, they said it would take 7 days to fix, then 14 days but still nothing has been accomplished on the XXXX I'll be reported to credit bureaus for nonpayment according to their incompetency record keeping. 
When I try to view my account information it says to call a XXXX XXXX  and the two credit card accounts show N/A for the Current balance, Min. Payment Due, and the Due Date.
Consumer complaint received 2024-08-02
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. (MI)

CFPB Writeup : 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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights.

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 2024-08-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

On XX/XX/XXXX at XXXX EST. I called Capital One bank and spoke with a XXXX XXXX the XXXX of capital XXXX. I explained to her that my rights were being violated per the Fair credit reporting Act & the 1974 Privacy Act. I also brought to her attention there is a billing error with the account I have with Capital for an auto loan. According to 15 U.S.C 1666d Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall- ( A ) credit the amount of the credit balance to the consumer 's account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit.

So I called and informed her and persons I spoke with prior to that I would like my account credited in full because did what the law says by calling and requesting from the lender/creditor
Consumer complaint received 2024-08-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

I am being served by Mohela. Since their switch to a new website, I can't see ANY of the payments I have previously made- I am concerned they are stealing my payments and not putting them towards my loans since I am currently in school. Federal loan counseling states that any payments I make in school should count towards my loans but I can not see what I have already paid. 

I want to be removed from Mohela. I do not want them to service my loan. They should not be able to service loans. They are impossible to reach and do not provide enough information about the status of my loans.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying computer science help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2024-08-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

In XX/XX/XXXX, MOHELA incorrectly charged me {$190.00}, which is {$80.00} higher than what was indicated on my Repayment Schedule ( {$110.00} ). Further, I was not supposed to be required to make a payment as high as the payment charged until XXXX, which I explained was necessary in months of contacting MOHELA between XX/XX/XXXX and XX/XX/XXXX about repayment options. 

MOHELA is not my only loan servicer, and the private servicer ( XXXX XXXX ) does not let me alter my repayment plan, requiring $ XXXX per month in addition to my rent, living expenses, and other debts. I can not afford mandatory monthly payments over {$150.00} at this time due to these other outstanding debts and payments, as I have stated repeatedly in many attempts to contact MOHELA about this matter and my situation. 

MOHELA has not sent me a Repayment Schedule for the amount charged to me in XX/XX/XXXX or any explanation for the discrepancy. Instead, after the unexpectedly high payment was due, they sent me another Repayment Schedule for {$180.00} which is {$15.00} less than what they charged to me in XXXX. I still have no documentation, communication, or clarification about why I was charged the higher amount in XXXX. I also do not have any communication about why it's not possible to stay on the graduated Repayment Schedule I had been on since XX/XX/XXXX or what other alternatives I have at this point. 

Now, I have a late payment notification despite many attempts to contact MOHELA in XXXX and early XXXX before there was a problem. It has been about 10 days since the payment became late and I still do not have any message from MOHELA, just a payment reminder for {$180.00} plus the overdue {$80.00}. I don't understand how they can just change my payments suddenly and without any explanation or documentation for the new plan, and ignore all my questions and contacts. 

I'm grateful I never turned on AutoPay or who knows how much they would've taken.
Consumer complaint received 2023-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (CA)

After a frustrating phone call with a Macy 's customer service representative, I am submitting this complaint as precursor to a legal resolution against Macy 's credit card services. On XXXX XXXX, I requested a reduction in my Macy 's credit card interest rate which is currently at 30.99 %. The request was due to my call to XXXX XXXX as a XXXX XXXX XXXXe solider. The debt and high interest rate is negatively impacting my ability to do my job as leader in the XXXX XXXX. 

I have federal legal protections under the service member 's civil relief act ( SCRA ) that require lenders to lower the interest rate of a service member 's debt they aquired prior to their XXXX XXXX period. My request for an interest rate reduction under XXXX was denied by Macy 's. Further, Macy 's does not have an option to submit a request for SCRA protection as most lender do. They require customers to speak to foreign service representatives that may pose a fiancial security risk to actively serving members of the armed forces and who make simple transactions difficult due to their poor understanding and use of XXXX. 

I have limited time to handle finacial matters because of my XXXX XXXX status and would like this matter to be ajudicated as soon as possible.
Consumer complaint received 2023-07-07
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: Experian Information Solutions Inc. (NY)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian and XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Also, I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX XXXX. Please repair and update these accounts ASAP.