davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-22
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA (MI)

I submitted the SAVE plan on Federal Student Aid on XX/XX/year>. My application on FSA was quickly approved and the status says " completed, '' but MOHELA has yet to approve or apply my application to my monthly payments. I have called 3-4 times and have received competing information on why my application has not been approved on their end. I have been told " I don't know, '' " you need to reapply, '' " the website says it takes 60 days to process but it actually takes us 90 days, '' " you need to extend your forbearance, '' " you need to remove autopay from your account so that they can not charge you for your upcoming payment, '' " there is a delay to our website/format change, '' and " I need to submit a request for MOHELA to process your application which could take another 15 days. '' My monthly payment is {$430.00} and my next payment is due on XX/XX/year>. I previously had my forbearance extended to XX/XX/year>. When I indicated that this would not help me with my upcoming payment as it is the day that they payment was due, I was informed that this was all they could do. I called again today XX/XX/year>, and was told that I should remove autopay from my account so that I could not be charged for this payment, which seems that it would make the situation worse. The representative submitted a request for MOHELA to accept my application, which could take another 15 days and that I should call again on XX/XX/year> to re-request forbearance until my application is approved on MOHELA 's end. Blaming my unapproved application on a website change is ridiculous and should not be at the cost of student loan payers. I have been provided competing information and my only option at this time is to continue to call, remove my card so I can not be charged, keep calling MOHELA, and waiting for my application to be approved. This is so disappointing and frustrating.
Consumer complaint received 2024-05-22
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. (NJ)

I paid for a consumer background and credit check to a would be landlord that say they had an available property for rent. After payment was submitted I the submitted information from the credit check website which in turn gave this person access to some of my personal information. At the time everything seemed to work, but then they wanted me to have someone else perform the same procedure. They only completed one process of a purchase of {$1.00}. I on the other hand paid {$29.00} and then {$1.00} for XXXX XXXX XXXX  When the time came for me to view the property the person vanished. Blocked my calls and rejected emails.
Consumer complaint received 2024-05-22
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. (TX)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am 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, Transunion, XXXX, and XXXX.
Consumer complaint received 2024-05-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (TX)

I logged into my Chase account to check my credit card balance. I saw an offer for {$900.00} to open a new checking and savings account with a minimum deposit of {$15000.00} to the savings account. I created the accounts, accepted the terms and conditions and followed a Chase prompt to transfer funds to create the opening balance. The Chase website had me add the account information, choose the amount of the transfer, i provided the information and indicated the amount of {$15000.00}. I then received a phone call from Chase to verify my information. I answered several questions, the last being a question of an address where i lived 25 years ago. I told the Chase employee, i lived there for less than 6 months 25 years ago, i dont remember the address, i would be guessing. He told me he needed an answer so i guessed and got it wrong. They didn't process the transfer. I called Chase, they told me that for that amount, the relationship with the other bank has to be in place for 6 months. When i followed the Chase websites prompts for adding an account and indicating the transfer amount, none of that was stated in their information, terms and conditions or anywhere. I was transferred to a supervisor and i told her what happened and asked her to close the checking and savings accounts because i woud n't do business with them if this is how they operate. XXXX or XXXX told me that i couldn't close the accounts over the phone, that i would have to go into a branch. I told her i opened the accounts over the web, why cant i close it over the phone or web and she said i had to go to a branch.

1 ) Chase is promoting an offer and their website prompts you to do something that goes against their own policies and misleads the customers.

2 ) I should be able to close an account over the phone or web if thats how it was opened.

3 ) How do i know this wasn't a scam to get my other financial institutions login and password information?
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I called in and spoke to a rep from TransUnion and advised that there were inaccurate information in my report that I did not give consent to. I did not authorize any of these companies to have acess to my credit report for inquiries.. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

TransUnion & XXXX continue to violate federal consumer protection laws. You are required to do a reasonable investigation. I continually ask for the proof they have completed such investigation to validate the account listed as XXXX XXXX. They instead keep sending the same generic response with no evidence to support their claim. It is my belief they both are violating the law by not doing an investigation at all or my simple request for proof of such verification done should be honored. Since they have had 2 separate occasions to provide me with documentation for their claims this is my final and last attempt. If you do not have the paperwork to back up your claims then I kindly request you delete this collection or please go ahead and pay the arbitration cost as outlined in your service agreement so I may pursue my claims and recover damages you are causing me.
Consumer complaint received 2024-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2023-06-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CA)

XXXX is not applying payments appropriately. WHen asked they claim to apply the amount to the highest interest balance and then to any promotional balance. They offer both deferred interest promotional offers and Equal pay ( XXXX % interest ) offers. They have admitted that if you make XXXX payments in XXXX month, they will apply the payment to any equal payments twice violating their own agreements with both the equal pay and by not applying payments to the balances with greatest interest are violating the XXXX  Credit CARD act.
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I sent in a dispute letter regarding XXXX XXXX  account it is being reported as 30 days late when I was never late and the account is closed. Also transunion does not match my other credit reporting agencies XXXX and XXXX.
Consumer complaint received 2024-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

TransUnion XXXX XXXX continue to violate federal consumer protection laws. You are required to do a reasonable investigation. I continually ask for the proof they have completed such investigation to validate the account listed as XXXX XXXX. They instead keep sending the same generic response with no evidence to support their claim. It is my belief they both are violating the law by not doing an investigation at all or my simple request for proof of such verification done should be honored. Since they have had 2 separate occasions to provide me with documentation for their claims this is my final and last attempt. If you do not have the paperwork to back up your claims then I kindly request you delete this collection or please go ahead and pay the arbitration cost as outlined in your service agreement so I may pursue my claims and recover damages you are causing me.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am writing to bring to your attention the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2024-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error.
Consumer complaint received 2024-05-22
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. (GA)

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 XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX and 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 2023-06-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc. (ND)

The loss mitigation company is dragging out the process to resolve the issue. I know they will assign someone to go through and look at their logs to confirm everything so I'm not going to waste my time entering dates in detail. On XX/XX/ they said it would be 30 business days to get the final loan paperwork to us for the modification. The week prior to XXXX XXXX, they said documents would be sent on the XXXX, however, I called back around the XXXX and they had not. They just make excuses that it's being processed and it takes longer some time. As they have the entire time when waiting on them. Now I'm making payments through their automated payment method and it's costing me money waiting on them. I can't make a payment through my bank because it doesn't reflect in the system. I can't mail a payment because I don't trust it will make it. Dovenmuhle has sent time-sensitive documents that show up well after the action date on the document. I just want them to get it done, and move on with my life.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Corp Solutions Inc. (GA)

ive disputed this fraudulent account XX/XX/year> ive attached a copy of the FTC FORM I DID WITH THE DISPUTE. NOW IM ASKING THIS COLLECTION COMPANY CREDIT CORP SOLUTION TO PROVIDE itemized statement, THE AGREEMENT BETWEEN BOTH COMPANIES, THE CONTRACT WITH MY SIGNATURE.
Consumer complaint received 2024-08-20
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)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXX  Account Number : XXXX Account name : XXXX XXXX XXXX  Account Number : XXXX Account name : XXXX  Account Number : XXXX Account name : XXXX  XXXX Account Number : XXXX
Consumer complaint received 2023-08-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. ()

Good Afternoon I'm customer of Coinbase. 

Since 2023 XXXX I can't to access into my personal account. When I introduce the XXXX digits generated with the XXXX XXXX XXXX I can't to access to my account. 


I have been a customer for a long time and this has never happened to me. 

I have complained many times to Coinbase but unfortunately I still can't to access to my account. 

Thank You very much
Consumer complaint received 2024-06-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Messerli & Kramer P.A. (ND)

I was a victim of identity theft, my information was stolen and used to open a credit card during a time I was incarcerated in prison. I became aware that I was in fact a victim of identity theft after checking my credit report last year, I filed an official complaint and identity theft report with the Federal Trade Commission and placed fraud alerts through all three credit bureaus, I also called the companies that the fraud occurred at telling them what had happened and providing them proof that I was incarcerated during a time when the accounts were opened, and sending them copies of my FTC report in hopes that I could begin to repair my credit. I was successful with removing all fraudulent accounts EXCEPT for XXXX XXXX XXXX. I sent them certified mail several times providing them with evidence that the account did not belong to me and asked them to stop reporting the fraudulent account to the credit bureaus and to remove it from my credit report, but it has continued to tarnish my credit score and remain on my credit report. 

Then just a few months ago I received a " Summons and Complaint '' from a company called Messerli & Kramer Attorneys at Law representing XXXX XXXX XXXX I contacted them and spoke to someone who asked me to fax all supporting documents to them in which I did but every time I tried to fax to the number they gave me it would not deliver so I called back again to explain to them the issues I was having but it continued to go to voicemail. I never got a call back and still continue to get a voicemail every time I try calling so than I decided to mail them everything I was trying to fax and I have proof of mailing it to them because it was certified mail. It's been almost a month now since sending them certified mail and I have yet to get a call from anyone and still continue to get voicemail every time I call. I have done everything and anything possible to get this removed and just don't know what to do at this point. I'm extremely upset and frustrated that this is still a battle to remove from my credit report.
Consumer complaint received 2024-06-07
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: CAPITAL ONE FINANCIAL CORPORATION (WA)

Hello, Somebody attempted to open a credit account with my details ( SSN, NAME, ADDRESS ). I had a hard inquiry done on my credit that's how I found out about this. XXXX sent me the notification that a hard inquiry was done. The fraudster tried opening the card with capital one bank. I called Capital one and they directed me to this website to report the fraud. They did cancel the card the fraudster tried to open and mentioned they will be investigating the fraud. They also provided me with resources on how to protect my identity. 

Below is the inquiry that was done HARD INQUIRY REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX