davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have tried, over the course of a year, to gain some sort of access to my credit information with Transunion Credit Bureau. I have called several times to try and resolve this issue, to no avail. I can login to their website, but as soon as I try to request my credit report, i receive an error that I am unable to access the report online, and that I should call them to obtain a copy of my report. 

I have called them, and I have been subjected to the same rote boilerplate troubleshooting procedures, i've been cut off, i was told I was being transferred to the proper department, only to find myself right back at where I started in the main cm, alling queue all over again. 

I have chatted with them, I have tried to use their new text messaging service, only to have the message abandoned in mid conversation by what I suspect was an AI responding, rather than an actual person. 

It is ridiculous that I have no ability to see or dispute or verify my own credit file. Both XXXX and XXXX are no problem. This whole ordeal is such a nightmare and it's my right to access my credit file... yet I still can not.
Consumer complaint received 2024-09-23
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: Tower Loan of Mississippi, Inc. (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear TOWER LOAN, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and Missouri state laws pertaining to identity theft and consumer protection. 

It has unequivocally come to my attention that TOWER LOAN has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri state law provides protection against identity theft and unauthorized use of personal information, including the misuse of credit reporting data. Missouris Identity Theft Law ( RSMo 570.223 ) criminalizes the unauthorized use of personal identifying information, and failure to comply with such protections may also be considered a violation of the Missouri Merchandising Practices Act ( RSMo 407 ), which addresses unfair and deceptive business practices.

I assert with unwavering certainty that I have not provided consent for TOWER LOAN to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and a clear disregard for both federal and state laws.

I demand that TOWER LOAN immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouris Identity Theft Law. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable federal and state laws, including Missouris statutes on identity theft and consumer fraud. 

Obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that TOWER LOAN will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NJ)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MA)

On XX/XX/year> I was alerted to a change in my Experian profile information that I did not initiate. I discovered that my Experian account had been hacked and I was unable to regain access. Since then I have tried tirelessly to resolve the issue with Experian but have had no success. I have twice faxed requested documentation to prove my identity and both times have been told the information was not received. I was given an alternate fax number which I was unable to even send a fax to and it appears the number is out of service. I need to regain access to my Experian Credit file to ensure I can freeze/unfreeze it as needed and Experian is not helping regain access in a timely manner. 

My Experian Ticket is # XXXX XXXX Fax # shared by Experian XXXX ( sent documentation XXXX to this number ) XXXX Fax # shared by Experian XXXX ( faxes failed to send, # seems out of service )
Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CLGF Holdco 1, LLC (CA)

XXXX XXXX, 2024 New inquiry XXXX XXXX XXXX I have no idea what it is and didn't apply for this. 

XXXX XXXX, 2024 New inquiry FEB/DESTINY I did not authorized this inquiry. 

XXXX XXXX, 2024 XXXX XXXX I did not authorized this inquiry and I've contacted XXXX  XXXX. 

XXXX XXXX XXXX XXXX. I did not apply or authorized this account.
Consumer complaint received 2024-09-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Security Credit Services, LLC (MS)

I bought furniture from a company that is no longer in business and I defaulted on the loan. I need a co-signer and my daughter agreed. We both signed the contract. My daughter was sued and paid the judgment. The creditor ( Security Credit Services ) was paid. Now, the information is in my name alone and her name alone instead of the one contract. The contract shows the exact furniture in both our names, the exact date and time. The company is now garnishing my check ; I was never served for court to defend myself. I sent the satisfaction of judgement when my daughter was sued. I received a satisfaction of judgement from XXXX XXXX XXXX for XXXX XXXX  and I was told by XXXX XXXX that he would return any money taken but the satisfaction of judgement was supposed to have sent a stop garnishment to my employer but they didnt receive it. I never gave anyone permission to access my credit report. This account has been satisfied and now these companies are stealing my hard earned money. I received a renewal of judgment now for Security Credit Services, the account is being transferred from security credit services to XXXX  XXXX. I have been in contact with XXXX XXXX and was told that they know nothing of the judgement. However, the envelope is addressed from XXXX. This is a frustrating situation and I am so tired of this theft!! At this point yes I am interested in filing a law suit against all parties involved here. Thank you for your time and support. 

I want this garnishment stopped and judgement remain satisfied. I do not owe this debt. I Want my money returned and an apology would be sufficient as well.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (CA)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Collection/Charge Off : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

On or about XX/XX/year>, {$100.00} was taken from my Chase Checking account. I did not authorize this transaction. I call XXXX customer service and told them I did not authorize this transaction. I received a notice XX/XX/year> saying the money was put back into my account. I received a notice XX/XX/year> saying that the money was taken back. I made phones call and went to a bank branch. At the bank branch the person who was assistance made a phone to someone at Chase. I person on the phone told me that i must have made the charge in question. She said the charge was made in person, at a store in XXXX, XXXX. The store only as two locations, one in XXXX XXXX and in another country. The person on the phone, said I should go to some store in XXXXXXXX XXXX Between then and now I stop having money deposited in the checking account I took most of the money out of the saving account. The reason I that I waited till now I had was having a problem with a cashier 's check. The check was deposited. I went to a bank branch to close the accounts. I was given the money from the saving account. Also told I could not close the accounts because a owe a service fee. Thank you for your assistance.
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (AR)

XXXX shows duplicate loans for five of my student loans with Mohela. I have submitted a dispute request with XXXX. However, XXXX only allows me to dispute one loan at a time. At least that is how their dispute form appeared at the time I filed it. Which is simply mindboggling. I want all the duplicates to be dropped. This should be done with care as to not disrupt the original record.
Consumer complaint received 2024-09-10
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: BETHPAGE FEDERAL CREDIT UNION (NY)

I requested at the local Bethpage Federal Credit Union branch in XXXX for my XXXX and beyond bank statements and online bill payment records for which I need for a critical purpose. Bethpage refuses to provide the bank statement and bill pay records. 

XXXX Account : XXXX
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: First Technology Federal Credit Union (FL)

I took a loan with " XXXX XXXX '' in XXXX. The loan was serviced/backed by First Tech FCU. Due to unforeseen financial trouble, I defaulted on the loan in XXXX XXXX. The debt was reported to all credit bureaus as a 'write off ; charge off ' back in XXXX. In XX/XX/XXXX, First Tech did a hard inquiry on my credit report without my knowledge or authorization. First Tech then re-reported this same bad debt as a new debt as of XX/XX/XXXX. I called First Tech and requested documentation and they refused to send it to me. The re-reporting of this debt is inaccurate because it is the same debt and it now shows up on my credit reports as 2 separate debts. Also, it shows as a newly defaulted loan - this is also inaccurate information. This has severely impacted my credit score. It is not lawful to report duplicate debts when they are the exact same debt and the timeframe of defaulting must be accurate because that is when the timeframe begins to run on how long it stays on your credit report. I would like the duplicate debt reported by First Tech FCU removed from my credit reports.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-08-08
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. (FL)

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 these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-09-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Data Mortgage Inc. (IL)

Recently my taxes increase about XXXX and this is increasing my payment a XXXX dollars. I have filed a appeal with XXXX County for the taxes and they have over excess the property. Essex Mortgage is refusing to honor my request to extend the shortage 60 months max which is allowed by FHA. This will give me more time for the county to process my appeal and lower my taxes and will also help with the payment increase. They are constantly brushing me off with my requests or ignoring me. The has been a XXXX  with this new servicer and they are not promoting homeownership. In this day and time they should understand that a XXXX dollar increase to your payment is not easy to come by. They should also follow FHA guidelines that says I can extend the shortage by 60 months. Please help me get this done.
Consumer complaint received 2024-06-04
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)

Recently, I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that youll investigate these items for me to ensure accuracy Here is the item I am asking to verify as accurate : XXXX XXXX : Account Number Ending XXXX Opened On : XX/XX/year>
Consumer complaint received 2024-08-27
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

XXXX XXXX will not credit our account for two {$2400.00} to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  that we never made. My wife was scammed by someone with a XXXX XXXX XXXX XXXX. She made what she thought was a {$5.00} donation to charity that she was not given a receipt for and then a day later ( without a fraud warning from Capital One ) we saw that two {$2400.00} charges were made with XXXX XXXX XXXX XXXXn XXXX. We have been trying to get XXXX XXXX XXXX to put in writing that we never made the order and though they will verbally confirm it to us, they will not get on the phone with Capital One or write an email to support our claim, when it would take them just a short time to do so and someone is impersonating them. We have reported them to the XXXX XXXX XXXX and the State of Illinois.

Capital One has consistently given us the run around and has not contacted XXXX XXXX XXXX on our behalf to get their side of the transaction. We would think if someone was scamming on their name that they would care about that, but they do not. Capital One says because it was a chip transaction that they can not call it fraud and they can not put the dispute in our favor because we do not have proof from XXXX XXXX XXXX that the order never happened or the receipt from my wife.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I found a number of mistakes on my personal Information, and these non-mailable addresses. I contacted Experian, XXXX and XXXX in order to resolve these issues. They have down right failed to comply with FTC Regulations and refuse to fix these issues, this is a clear violation of my consumer rights.
Consumer complaint received 2024-09-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Firstsource Business Process Services, LLC (CA)

First Source Advantage LLC 's representatives were repeatedly told between XX/XX/XXXX and XX/XX/XXXX of XXXX to stop calling me and to delete my information from their database when they refused to identify themselves before demanding personal information from me. Telling them to stop contacting me on XX/XX/XXXX should've been sufficient for them to cease calling and therefore they violated by FDCPA rights by calling after that date. On XX/XX/XXXX I was notified about a notice they sent to my old address AFTER they were told not to contact me. The notice states that they represent XXXX XXXX and this is false because they are debt buyers and not attorneys. Furthermore the notice demands that I pay them over {$3000.00} and does not have any supporting documentation that would verify I have an active or past debt with FirstSource Advantage LLC or XXXX XXXX. This is now the second incident where they have violated my FDCPA rights and attempted to collect money from me that is not owed to them because I have never had any sort of account, contract, or other agreement with them and had no knowledge of their existence before XX/XX/XXXX. I have had ongoing issues with identity theft since XXXX and believe that they purchased my information off of the Dark Web in an attempt to extort money out of me.
Consumer complaint received 2024-08-08
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (TX)

This company " Midland Credit Management '' with Account # XXXX has been reporting fraudulent inaccurate and inconsistent information with each credit bureau to my credit reports. I have no prior knowledge of this account before checking my credit reports This account is not mine and I never signed a responsible of debt with this company. I have requested them to send me a " validation of debt '' providing me with the purchase agreement to show me full ownership of this account is in fact mine. They did not provide me with the original contract as I had requested
Consumer complaint received 2023-02-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Child support Nebraska : # XXXX Child support Nebraska : # XXXX Child support Nebraska : # XXXX 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 2024-08-20
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY (MO)

This was a deferred interest loan, initiated on or about XX/XX/year>. The initial amount of the loan was approximately {$30000.00}. If we paid off the loan by a certain date, which the company called the Special Terms End Date, interest would not be charged on the loan. If we did not pay off the loan by the special terms, end date, interest would be charged at the rate of XXXX %. We authorized the company to withdraw funds from our checking account on a monthly basis, which it did. The authorized monthly withdrawals were calculated to pay off the loan by the Special Terms End Date. Shortly before that date arrived, the company attempted to increase the final balance due without authorization or explanation. The company did this in an electronic billing statement with XXXX different amounts due. XXXX amount, {$5400.00}, had this designation : NO INT IF PAID IN FULL W/PMT. The XXXX  amount was {$6200.00}. There was no explanation for the higher amount, and we did not expect it. We called the company to determine which payment we should make to eliminate the final balance. The companys representative directed us to pay {$5400.00}, which we did ( actually, we paid {$5500.00}. ) After accepting our payment, the company took the position that we should have paid the higher amount, and the company then folded into our loan the entire amount of deferred interest ( {$5400.00} ). This was not the only wrongful act by the company. More details ( and the additional wrongful acts ), are detailed in the attached XXXX.