davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (TX)

I need a history of financial transactions for my student loans going back to XXXX  for my records. Mohela is my current loan service provider. I was able to get from them the history of financial transactions from the time they serviced my loans BUT not the data from the time before they serviced my loans. 

Per their website " To request a history of financial transactions that occurred prior to the time your loan ( s ) were serviced by MOHELA, call us at XXXX '' I called XX/XX/XXXX and the request was made to a representative. She said it would come in the mail and to give them time because of the backlog at the time. I called back in XXXX when I still didn't receive it and asked how long should I expect and when should I call back if I don't have the file. And there was not a definitive answer. But that it wasn't unusual and to give it another few weeks. 

I called again on XX/XX/XXXX to follow up. I was escalated to a supervisor- she said it was definitely submitted in XXXX and they have no way of knowing if I received it or not. And maybe it was lost in the mail. So she resubmitted another request and said it should be a couple weeks at the most. She confirmed my accurate address in the system. 

It's now been a 'couple weeks ' as of XX/XX/XXXX. And 5 months after the original request. I have tried contacting some of the original loan servicers and the government through the student aid webpage contact numbers. They are all indicating this is the only avenue to get the information for the detailed history of my loans from the original providers. I have heard from others that they were able to get the information quickly when reaching out to you.
Consumer complaint received 2024-02-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: United Shore Financial Services, LLC (LA)

United Wholesale Mortgage Nightmare since our mortgage was sold to this company. Nearly impossible to get someone on the phone. Representatives continually over and over and over give false information. During insurance change an advisor actually told us not to pay the insurance bc we had time until next year. We almost lost mortgage and insurance bc of this. They checked call records and indeed verified that we were told wrong info. Nearly lost insurance coverage had a day to pay!! Now we were told once that analysis on escrow wasnt going to happen until XXXX and had until XXXX to correct escrow deficit. Told we would have 45 days before mortgage went up and change became permanent. Analysis was done XXXX and it took 2 months for an Escrow Payment ( portion ) to be applied to escrow balance. Took nearly XXXX more calls in XXXX- told different information each time!!! Final call spoke to rep in escalation department said dont worry I know what I am taking about. He told me that that was just an early analysis and it wouldnt affect our monthly payments until XX/XX/24 but still not to worry bc a state analysis would be done again in XXXX and we still wouldnt have an increase until XX/XX/24. Said we would get a letter again with information and we would have 45 days after letter to pay shortage before mortgage payment went up! None of this is true! Our payment went up XX/XX/24 without notification by app or mail and increase was autodrafted from our account despite being told and receiving letter re new payments would increase XX/XX/24. Hence when I called rep final time who told me not to worry payments wont increase until XX/XX/24 and we would have all of XXXX to pay deficit before Payments go up. The unexpected auto draft nearly put us in overdraft. Attempted to call today XX/XX/24 office closed after XXXX!
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Tally Technologies (GA)

I have opted out of credit reporting and Tally is acting unlawful by denying my request. Tally is in Federal violation. As per the provisions outlined in the United States Code Title 15, Sections 6802-6805, commonly referred to as the " Gramm-Leach-Bliley Act, '' creditors are required to provide consumers with the option to opt-out of having their information reported to credit bureaus before automatically opting them in. This legislation emphasizes the importance of consumer privacy and the right to control the dissemination of personal financial information. Therefore, creditors should afford consumers the opportunity to make an informed decision regarding whether their credit activities are reported to credit reporting agencies, thus safeguarding their privacy and financial autonomy. After further review Tally did not provide me the option to opt-out of credit reporting and does not have specific provisions readily available that denies the consumer ( account holder ) the right to revoke consent to report my information to credit reporting agencies in the Card Member Agreement. Further more the account is being reported as charge offs. Tally can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from Tally for the cancelled debt of the alleged debt in order to file as ordinary income Tally where is my 1099-C? Tally is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than { { {$600.00} } }. This is unsatisfactory! Tally has been HEREBY PUT ON NOTICE that they are furnishing incorrect, inaccurate, un authorized non public information!
Consumer complaint received 2024-08-01
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. (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "
Consumer complaint received 2024-04-05
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Innovative Funding Services, L.L.C. (CO)

XX/XX/XXXX I was emailed a pre-approval through XXXX XXXX. Just glanced at potential offers through 2-3 companies. 

The company I chose to take the next step with was Tresl. In order to proceed they asked to run my credit and fill out a complete application which I did do did allow them to do. They then came back and said I was approved and asked me what loan term, interest rate and payment I would like to accept, They had about 6 different offers. I opted for about the same payment I was already making but a 9.5 % interest vs the 14 % I am at now which would have lowered my overall interest by almost {$6000.00}. I submitted financial documents, drivers license photo, current vehicle registration, at which point I was thanked and told my loan instructions/ documents for capital one would be sent. The next call I got was from a representative from Tresl  XXXX XXXX on XX/XX/2024 from phone number XXXX and email XXXX telling me he needed to qualify me. 

I want to make this very clear, up to this point and all the way to the end of the phone call we had I was not told he did not represent a direct lender. Nothing in anything I was sent or told said they were a company trying to still match me with Lenders. They represented themself and himself as the actual lender I was approved with. He did not tell me he was a representing multiple lenders. The following conversation was still under the guise they were the lender. This is a predatory lending tactic and 100 % unlawful. 

I explained I had already done this but I went along and answered more questions. Then I am told the actual rate would actually increase and if I wanted to lower my payment I would have to pay more in interest and take a longer loan out. First I did not care about my payment amount I only proceeded for a lower rate and second this company absolutely lied. At this point I expressed my frustration with the lying and getting me down this rabbit hole, at which point XXXX now says he was " sorry but he did not know at the start of the call what lenders would consider me '' It is at this point I realized without my permission I wasn't talking to the actual lender as they portrayed themselves and himself. 

I just got off the phone with XXXX, this is the first of several complaints I will be filing this afternoon as this is absolutely predatory lending and misleading. Now I have a credit inquiry on my report that I have to contend waiting on time for it to fall off.
Consumer complaint received 2024-04-01
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc. (NY)

I have a fraud case from XXXX for XXXX and I filed a police report XXXX and filed with XXXX and notified XXXX ( XX/XX/XXXX ) the debt collector with form and a conversation. So XXXX got another collector to come after me ( I.C. Systems ) again I filed, called and told them to leave me alone. They still call like every day. This is harassment - the debt is not mine and I have done everything i am supposed to. It needs to stop. it is over a year now. i never had Att as my service provider during the year of XXXX. As a matter of fact XXXX XXXX service sucks. I have been with XXXX and XXXX only. Please make it stop.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XXXX is showing 3-4 different scores, also providing inaccurate information preventing a fair credit report. Disputes are being denied without burden of prof and personal information was shared to third parties which is illegal by law of 15 Usc 1681. In which each violation is worth {$500.00}.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Onity Group Inc. (MS)

I have contacted this company in 3 occasions this year with the most recent XXXX XXXX via usps. I sent in notarized documents letting this company know that my name is XXXX XXXX. This company purposely put my twin sisters name reporting to all credit bureaus. I sent my license in and notarized documents to prove my last name isnt XXXX. Yet this company from what I perceive insists on reporting inaccuracies.
Consumer complaint received 2023-04-19
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. (CA)

LII U.S. Code Title 15 CHAPTER 41 SUBCHAPTER III 1681 Quick search by citation : Title enter title Section section 15 U.S. Code 1681 - Congressional findings and statement of purpose U.S. Code ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

Accounts name : XXXX XXXX Experian XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX Account number : XXXX These companies have violated my rights listed above.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am filing a formal and urgent complaint against XXXX XXXX XXXX for their blatant disregard of the Fair Credit Reporting Act ( FCRA ) and their gross negligence in failing to validate and verify an account listed on my credit report. The reporting of this inaccurate and unverified account has not only severely damaged my credit score but has also wreaked havoc on my financial standing. This egregious act has caused me significant hardship, including difficulties in obtaining credit, exorbitantly high-interest rates, and immeasurable stress and frustration. The reckless and irresponsible behavior of XXXX XXXX XXXX has inflicted undue harm on my financial reputation and stability. XXXX XXXX XXXX XXXX : {$1500.00}.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to dispute account on my credit report that were made without my consent. According to section XXXX of the FAIR CREDIT REPORTING to section act ( 15U.S.C 168 1B ), THERE ARE SPECIFIC PERMISSIBLE pirposes for obtaining a credit report. I did not authorize these account and can not find any permissible purpose under this section thatjustifies their presence on my report : XXXX XXXX, XXXX.
Consumer complaint received 2024-10-28
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. (SC)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.
Consumer complaint received 2024-08-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am a victim of identity theft and fraud in credit card schemes ( unauthorized opening of credit cards ). I wrote the CFPB previously in XXXX and XXXX regarding my identity being stolen and credit cards opened in my name. I had also informed the original companies of the credit card issuers before they sold the account. The following debt collector companies ( who I do not know and have never had any financial agreements ) have also placed on my credit report that I opened recent accounts with them, as early as XXXX. This is not true. They have knowingly placed false information on report. I disputed these companies in XXXX and XXXX and they continue to illegally and unethically place new " open '' accounts on my credit report. I have asked Transunion, XXXX, and XXXX, in XXXX, XXXX, and in XXXX ( by electronic dispute and over the phone dispute ) to remove the accounts from my credit report and had informed them of my identity theft. I also told them that I had no knowledge of the companies. And no affiliations of the companies. I asked that they note this on my credit report. I had also previously signed up with all 3 credit reporting agencies in blocking future credit inquiries, however, the companies have now unblocked my accounts and have allowed unauthorized credit inquiries and statements on my report. I am requesting that Transunion, XXXX, and XXXX remove the following companies from my credit report due to identity theft and unethical practices of placing false information on my report. Please remove : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (WA)

So the other day I had my XXXX ( ymail ) email account hijacked. 
This occurred sometime shortly before midnight on XX/XX/2022 and as soon as I noticed upon waking up around XXXX a.m. 
on XX/XX/2022 I took steps to secure every cent I had to my name ( $ XXXX ) by creating a secure email and switching phone numbers and updating my cash app with these new secure methods of contact on top of having my cash card in physical possession and a cash pin in place. Everything seemed fine until I go to make a child support payment to my daughter 's mother via cash app like I do every week only to have the transaction be declined and my cash app locked. They made it seem like everything was going to be fine there was no big deal and it should be unlocked shortly. A few hours past and I go to check on my cash up and see if the issues have been resolved yet and much to my shopping order I open the app and it appears that my cash I've been signed out so I frantically enter in my email details to try to sign back in and upon doing so I'm greeted to a blank screen saying welcome to cash app acting like I never had an account before. I didn't spend hours communicating with the service team only to eventually have them randomly shut me down and give access back to the hacker fully despite me having a cash pin in place and having physical possession of the card issued by cash app for the account. I am now facing homelessness and jail time for not being able to pay child support and rent after just moving completely across the country. I think that the reasons which were not communicated to me and I was denied any type of transparency or compassion or ever because I am using XXXX fi which has a VPN and their whatever security software program didn't like that fact or b because I think I may have accidentally mistyped one digit when I was prompted to enter my date of birth after clicking the ID verification link that they sent me. This is a cruel way to treat a veteran...
Consumer complaint received 2022-03-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (KS)

I have been dealing with cash app regarding XXXX fraudulent transactions since the first of XXXX I have contacted them daily since only to be lied to hung up on claims closed and now waiting on a provisional credit only to be lied to again when no credit has been issued. I have spent hours on the phone trying to resolve the XXXX transactions XXXX for {$67.00} to XXXX XXXX ( I have no idea who that is nor can I contact the company as accordingly to XXXX the company doesnt exist ) the other XXXX transactions are to a XXXX XXXX  XXXX is for {$9.00} which was found to be fraud and refunded the other for {$77.00} I still am XXXX for. I was told on XX/XX/2022 the provisional credit had been issued when I couldnt find it in my statement online or anywhere I called again this morning only to be told my case was closed and there are no updated. I asked to be transferred to someone in that department as I got through to XXXX person XXXX time only to be told by the representative that they only communicate via email. I need my money and I will never deal with cash app again. Its obvious that those are fraud as one has already proven to be. I would appreciate some help as I am at my wits end and just want my money back. The lies are unexceptable! I trusted them with my money only to have them refuse to keep my claims open long enough to allow for the investigation. Please help
Consumer complaint received 2022-03-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (DE)

On, XX/XX/22, I attempted to complete a transaction on Cashapp. The transaction was denied stating my bank denied it. I then looked into the linked account in my app. My linked account is from my XXXX XXXX accout, but Cashapp has a XXXX account listed. This would not update nomatter how many times I tried. I called my bank to see if the money was pulling from my account, they had no record of the attemted transaction. I called cashapp, their phone line disconnects your call no matter what time a day. I got on the chat portal to resolve my issue. The chat advocate did not understand and refused to connect me to a different advocate or management like I asked. I told them there. My account shows my bank account as the linked account, but has the money I am trying to send pulling from someone elses XXXX account. They refused to help me fix this issue. No my account is linked to a mystery XXXX  account and I can't unlink it.