davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (NC)

I have requested the rest of my refund from Mohela under the XXXX XXXX XXXX lawsuit. Mohela 's refund should have been in that amount of {$18000.00} but only {$9900.00} was refunded. Mohela has not refunded the rest of the about due. Mohela also refunded the about directly to the bank account instead of a paper check. The bank account that the refund was not my current bank account. I have requested a detailed account of the refunds due to me and have not received this information.
Consumer complaint received 2024-07-29
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (CA)

This account represent a clear breach of contract and are fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-05-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: U.S. Equity Advantage Holdings, Inc. (CT)

There are two entities involved in our transaction. XXXX XXXX XXXX who is note holder and XXXX XXXX XXXX that actually pulls the payment from our account. XXXX XXXX XXXX provided us with an amortization schedule when we signed up for the service and forwards the payments to XXXX XXXX. XXXX XXXX has made some adjustments to our account but it still does not match the amortization schedule originally provided by XXXX XXXX XXXX. XXXX XXXX XXXX shows our mortgage being paid in full as of XX/XX/XXXX and XXXX XXXX shows it being paid off in XXXX of XXXX. XXXX XXXX XXXX has not answered any of our complaints. In addition, the payments are debited from our account every two weeks but are forwarded to XXXX XXXX XXXX a month. XXXX XXXX is getting the float on our money that is suppose to be used to help accelerate our mortgage. They have mislead us on what the service they would provide would do.
Consumer complaint received 2024-01-26
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-13
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. (NY)

on XX/XX/year> i disputed the accuracy of two Bankruptcy and ask the 3 agency how they validated that the information belong me and ask them to remove and to this day its still being reported om my consumer report.Equifax XXXX and XXXX are violating my rights under rule 15 USC.1681 by reporting information that knowingly and have reasonable verified.1 Under Rule 9037 of the privecy Protection for court filings made with the courts .ALL IDENTIFING markets are redacted unless ordered by the courts.
Consumer complaint received 2023-03-20
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I want this late payment update from my account within 15 days, I'm not aware of this, Under USC 1666b. See the documents attached. BANK OF AMERICA XXXX Open Date XXXX XXXX, XXXX  Balance : {$4800.00}
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness 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
Consumer complaint received 2024-04-06
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: LoanCare, LLC (DE)

Used my VA Certificate of Eligibility for mortgage on home at XXXX XXXX XXXX XXXX, DE XXXX. 

VA case number XXXX XXXX Shelter Lender loan XXXX XXXX Loan XXXX  LoanCare XXXX Loan number XXXX My then husband XXXX XXXX, was secondary. We sold XX/XX/XXXX. Payoff XX/XX/XXXX and Deed transfer to new owner. 
Problem XXXX : A lien was placed ( unknown to me ) released via XXXX XX/XX/XXXX. 

Problem XXXX : A XX/XX/XXXX letter about the recent lien clearance sent to the already sold property address with my name on it. I just learned this XX/XX/XXXX while ensuring my information was correct to buy another home. 

Problem XXXX : It appears LoanCare used a different address for mailing, my ex husbands, and transferred the mortgage/account to my ex husband as of XXXX for purchase of his home 7 days before that letter was mailed to the sold property addressed to me. He bought XX/XX/XXXX. 

Problem XXXX : LoanCare allowed ex husband to change access to online account. And there were other irregularities such as an unknown second appraisal Im now discovering. I was primary and not getting the specific info requested. What happened that there was a lien on my VA loan after payoff. And a HUD issue they will not explain. 

Last contact of 5 times with LoanCare was XX/XX/XXXX. 

Note : Have a family court date XX/XX/XXXX in Delaware against ex husband which may include this now. First need to confirm but their tone on phone says they know somehow my VA loan was used for ex home post divorce but say nothing. Hang up.
Consumer complaint received 2024-07-01
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. (IL)

I was reviewing my credit record and I am quite upset at the inaccuracies you are reporting in my credit record. I need the inaccurate information to be updated or deleted. 

XXXX  XXXX XXXX Balance {$0.00} This account is misleading. This will need to be removed pronto.
Consumer complaint received 2024-01-26
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. (VA)

I recently reviewed a copy of my credit report. I was shocked to learn that I have been victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent account from my credit report as soon as possible. Thank you.
Consumer complaint received 2024-01-26
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. (CT)

I recently became aware that unauthorized fraudulent accounts, addresses and inquiries have been reporting on my credit report. My personal information has been used without my consent or knowledge. I have tried to rectify this situation several times now unsuccessfully. I have no knowledge of these accounts nor have I signed any contracts with these creditors.
Consumer complaint received 2024-07-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (NJ)

Ive been banking with Chime bank for a few years now, randomly one day in XXXX they decided to close my account. They emailed me stating I didnt follow company policy so they would be closing my account XX/XX/year>. When I tried to transfer all my money into a new account I created with another bank, it kept saying error so I called chime and they closed my account 3 days earlier so I could not access my money. It is now XX/XX/year> and I still have no updates on my closing check. I call them at least twice a week and they always state someone will email me and I never get a email. Ive had over {$4000.00} in my account with chime at the time they closed it. Money that was going to be used for back rent and utilities. Since then Ive had to move out my apartment because I could not pay rent and got kicked out. I need help!!
Consumer complaint received 2023-12-13
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. (IN)

Contravening the Education and Loan Privacy Act, the school supplies transaction history to third-party companies. Furthermore, there are alleged violations of the XXXX and XXXX Privacy Act of 1974. The IRS Clearly defines a charge-off as a certificate of indebtedness Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which makes the reporting of this account inaccurate!
Consumer complaint received 2023-10-27
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC. (NY)

I am formally complaining against SANTANDER CONSUMER USA I for a number of consumer laws that they are in violation of. 15USC1681 ( A ) ( 2 ) dealing with exclusions and how I never gave them the right to report any of my transactions to any 3rd party ( XXXX, XXXX and XXXX ) along with 15USC6801 and 15 USC6802 ( A ) ( B ) ( C ). 

I have contacted SANTANDER CONSUMER USA who has been totally non compliant through this entire process and has been adamant about breaking consumer laws. I asked the CFPB to step in and make sure that SANTANDER CONSUMER USA stand by and address the issues that I noted in consumer law and not to continue to disregard the rights of consumers.
Consumer complaint received 2024-01-26
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. (NJ)

In case of my previous complaint no. XXXX, 1. Action Taken - a. XXXX  XXXX XXXX, Case Manager  XXXX ( XXXX ) confirmed that I've never opened checking account or credit card with XXXX  XXXX XXXX XXXX my lifetime. 
b. XXXX states that there's no track history to match up with my SSN & all listed home address/zip codes. But there are hundreds of naming lists under my name XXXX XXXX in their banking system. I've asked them to verify all XXXX XXXX in their banking system one-by-one in order to identify the user with the credit card debt XXXX ( as of XXXX ). 

2. Answers from XXXX  XXXX XXXX : a. XXXX rejected my request since they don't know the exact account number to be associated with the credit card & its debt. 
b. on XXXX today, I've received the attached mail that credit agencies may have combined my file with a file of someone with a similar name. ( XXXX XXXX ) 3. CurrenXXXX Challenges - a. I've tried to contract 4 listed Credit boroughs to identify the associated bank account number or Credit Card Number. But, I've failed since those companies are available via XXXX where this case is not handled, and in-person XXXX staff wasn't available on the call. 
b. I'm currently in trouble to get a Morgage to purchase my first home due to the bad credit score ( XXXX currently, each month decreasing due to this incorrect naming conversion mismatched from a different person ). Very desperate & extreme-stressful situation. 
c. In my lifetime, I've never made late payment so far. This unresolved situation makes me miserable & depressed since 2022 that I've identified the issue first time. 

4. Requests : in my perspective, XXXX  XXXX XXXX or CFBP ( as the adjustor ) needs to inform this mishap to 4 credit boroughs on behalf and should correct the mis-aligned name to the right person. The most important action though is to get rid of all the related bad credit score histories impacted by the mis-match on my naming conversion.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NE)

I've mailed two letters with supporting documentation and they never responded to either letter. Then I called talked to someone she said the address on file didn't match and I told her the right address and still haven't gotten my report freed up from them.
Consumer complaint received 2024-01-26
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Westlake Services, LLC (TX)

I am filing this complaint on Westlake Financial Services XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX This is in regards to a loan I had with them for 1 month only, because I had an accident which was a total loss. I bought the car in XX/XX/2023, XXXX XXXX totaled it in XX/XX/2023. I had only made 1 payment in XX/XX/2023 when the accident occurred and XXXX XXXX paid off the loan of {$7000.00} and I had GAP coverage, which covered the remaining {$3000.00} and all documentation was sent by the car dealer to Westlake in XXXX XXXX. They have done nothing to find or verify the documents they've had for 3 months and continue to call 6 times a day to harass me for payment, even tho I've told them they have all documents. They have turned me in to collections with credit bureau, which I have disputed, but now my credit score has dropped significantly due to their negligence in not verifying my GAP coverage and claiming non-payment, which I have nothing to pay for, since this loan was paid off. I have emails from XXXX XXXX and XXXX as proof. Could you please look into this because my credit is being adversely affected and I'm tired of the continued harassment. Thank you. 
XXXX XXXX XXXX
Consumer complaint received 2024-08-07
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (CA)

on XX/XX/year>, XXXX XXXX contacted a family member in regards to debt collection. They revealed information about an outstanding debt. This family member is in no way connected to this account and there is no reason they should have been contacted. 

It was inappropriate to reveal ANYTHING to this party and has directly put me in harm 's way.
Consumer complaint received 2024-08-04
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC. (FL)

On XX/XX/XXXX and XX/XX/XXXX a representative of Midland credit called my husband and advised him in detail of an alleged debt and balance which he is not a party too. My husband sent me text messages to which I asked that he tell them to stop calling. Unfortunately they did not and so he blocked their number
Consumer complaint received 2024-01-26
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)

I would like to have all hard and soft inquiries deleted off my credit report because Per 15 USC 1681, I gave no written consent for this information to be reported. Also 15 USC 6802-6805 and 16 CFR 313.2 both state that I can opt out of anything on my credit report at anytime. The privacy act of 1974  also covers that I have a right to privacy of all my personal information. All these inquiries need to be deleted immediately! based off law, I would like {$1000.00} to be debited to this account for this mistake or I will take legal action. Routing # XXXX Account # XXXX the FCRA, 15 USC 1681 states Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am in the process of applying for a consumer loan ( XX/XX/year> ) with a finance company. I already have one loan with the company, so my information is in their system. 

However, when the loan company tried submitting my name, address, social security number, and date of birth, a message stating that my XXXX and Transunion credit reports were frozen. I contacted both credit bureaus ( created an online account ) and went to the section on freezing information. No freezes were located on either of my credit bureaus. On XX/XX/year> I contacted the loan company with this information. The loan company resubmitted my information and the same message from the day before was shown... the my credit reports were frozen. 

Neither XXXX nor Transunion will explain how to remove the freeze from my credit reports so that I may apply for a loan.
Consumer complaint received 2024-08-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

I deposited a cbeck through the Wells Fargo atm on XXXX at which time I was alerted the funds would be available on XXXX. On XXXX I saw the check was posted but Wells Fargo did not post the funds to my account- over the course of XXXX to XXXX days ( XXXX ) Wells Fargo repeatedly lied to me as to why the funds were being withheld- even claiming possible fraud on the check writers part and to call her bank- her bank said there was no problem on her account and on XXXX XXXX XXXX told her that Wells Fargo had the funds from her account as of XXXX XXXX so Wells Fargo got the funds from the check the day after I deposited the check but claimed they did not, sending me a letter stating suspicious activity or the like as the reason for withholding the funds although the check showed posted. Wells Fargo maintained the stance of not yet having the funds so the lady who issued the check went back to the bank to get me a cashier check and thats when she found out Wells Fargo already had the funds from her bank but just didnt release the funds to my account. This whole time- Wells Fargo kept maintaining that the check had not been funded - there was a legitimate hold and they were not going to have the funds until XX/XX/24 Wells Fargo is no stranger to fraudulent and unnecessary withholding of funds ( last class action was last year ) and it seems they are still operating in Bad Faith And unlawfully withheld funds that they already got paid for by the check writers bank. Wells Fargo willfully engaged in this unlawful business practice even though they just lost a class action lawsuit for the very same offense. I would like to persue legal actions against Wells Fargo and I am reporting this repeat violation on their part.
Consumer complaint received 2024-08-06
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RentDebt Automated Collections, LLC (MO)

The debt collector accepted an tendered negotiable instrument for the amount owed of XXXX to the principal on XXXX XXXX well as the CFO of property management accepted on XX/XX/year>. Both received an tendered negotiable instrument in which the agent on behalf of the principal instructed both agencies of what to do with the negotiable instruments balance for set-off performing the contractual obligations. The contract has been breached and inaccurate information of a payment due is continuing to be reported to the consumer reporting agencies harming the principal 's reputation violating 15 USC 1692 ( D ) 1. The agent on behalf of the principal has called to try to solve the issue and sent multiple notices informing the breach and violations. The agent on behalf of the principal has been called derogatory names ( sovereign citizen which he is not ) due to wanting to utilize his rights. Matters of concern referencing 15 USC 1692F of unfair debt collection practices has arose due these aforesaid matters.
Consumer complaint received 2024-01-26
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. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. 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 the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.