davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NY)

XXXX months ago, in XX/XX/XXXX, I paid off all of my student loans to Mohela. There were XXXX loans. For each of these I paid the amount owed, as calculated by Mohela. I then received " Paid in Full '' letters for each of these loans. At the time, I felt that I had finally put these loans behind me. 

However, 6 months later, in XX/XX/XXXX, Mohela re-opened one of my loans stating that I still owed nearly a XXXX dollars on one of my loans, despite the fact that I had a " Paid in full '' letter from them for that very loan. 

I called them several times, always being put on hold for long intervals, leading to phone calls over an hour long. I asked them why and how this had occurred and they could not give me an answer and didn't understand it themself. They eventually said they'd escalate the issue and call me back within three days. They ended up not calling me back for two weeks, at which point I called them back myself. 

I was escalated to a supervisor who said they themselves would have to escalate to accounting, since they didn't have any explanation either. What transpired was a Kafka-esque game of telephone where I asked questions to the Supervisor, who had no answers, who then in real-time relayed them to someone in accounting, who gave them non-committal non-answers that only amounted to " This is the amount you owe, and we don't know why we ever told you otherwise or why it took us 6 months to come to this conclusion ''. They also would not answer me on whether or not their " Paid in full '' letters were legally binding. 

I asked how I was supposed to know that this would be the true correct amount that I owe, or that I would be totally paid in full, if neither the amount owed they report nor their official correspondence they provide could be considered accurate or binding. They still had no answers. 

To be frank, this is unacceptable, and an absolute shame that something as simple as calculating amounts owed, collecting payments, and answering simple questions could be so atrocious. Mohela is at the very least decrepit and inept, I suspect it could be intentional, as providing correctly functioning systems costs money, which they would prefer to pocket. It's awful and insulting. It's also awful and insulting the the US government chose this embarrassment of a company to handle something so important.
Consumer complaint received 2024-05-23
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: JPMORGAN CHASE & CO. (NC)

Today is XX/XX/year>. My name is XXXX XXXX and I only have XXXX XXXX & XXXX XXXX XXXX accounts along with credit cards associated with those XXXX banks. This morning {$210.00} was taken from my XXXX XXXX checking acct and used to payoff a Chase credit card that does NOT belong to me. Again, I have never had any Chase accounts nor credit lines nor mortgages nor car payments etc. Bottom line Chase took money from me without my authorization. Chase is JPM which is the largest bank in the US headed by XXXX XXXX and manages trillions in assets. I will make it the last thing I do to figure how and why this happened & how such a mistake was made so help me god. I am a middle class hard working individual and JPM/Chase will NOT get away with this!!!!!!!!!!!!!! 

Worst of all I called Chase an hour ago and spoke to many individuals of foreign nature whom all sounded like they were from XXXX etc. and they all told me there is nothing they can do to help me. I was once XXXX XXXX by a large financial institution and the worst mistake I made was not getting an atty. I wont make that mistake again!!!!!!!!!!!!
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

TRANSUNION AND XXXX REFUSE TO REMOVE THE 2 LATE PAYMENTS FROM MY CREDIT REPORT. XXXX FROM XXXX XXXX  AND THE OTHER IS FROM XXXX XXXX. THE REPORTING ON MY CREDIT REPORTS ARE TOTALLY INACCURATE AND THEY REFUSE TO REMOVE THEM. XXXX REMOVED THE 2 LATE PAYMENTS AFTER THEY INVESTIGATED AND FOUND OUT THAT THE REPORTINGS WAS INACCURATE. FAIR DEPT COLLECTIONS PRACTICES ACT 15 USC 1692g VIOLATIONS and FAIR CREDIT REPORTING ACT 15 USC 1681 VIOLATIONS FOR WILLFUL NONCOMPLIANCE- 616 CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE 15 USC 1681n
Consumer complaint received 2024-05-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XXXX approximately XXXX at the location of XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I made a first initial deposit of {$3500.00}, the machine asked me if the deposit is correct. I confirmed, then, gave me options of deposit more money or continue with deposit so l selected deposit more cash I proceeded to deposit {$300.00}. It accepted my money, then about XXXX seconds later the machine shut off.
Consumer complaint received 2024-07-12
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. (TX)

The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
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. (GA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-05-21
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)

After reviewing my consumer report I've noticed that there are information and accounts that's unlawfully reporting. I reached out to the creditors to verify this alleged debt in which I asked them to provide me the proper documentation that shows this debt belongs to me. They have yet to respond with any documentation proving that this debt is mine. I receive numerous phone calls throughout the day from the creditors seeking payment in which i'm aware that this violates 15 U.S. Code 1692c - Communication in connection with debt collection. Included in this complaint is a copy of my dispute letter in which I ask Transunion to investigate and remove anything that's reporting inaccurate or unverified. By them reporting this inaccurate information I am being negatively affected and my ability to obtain funding or the proper necessities in life are limited due to bad credit. I am aware that in order for any account to report on my consumer report the creditor must have authorization to share my information in which they never had permission. I have no knowledge of who these creditors are and by them reporting anything to Transunion violates my right to privacy. Transunion has proven to report inaccurate information on many people 's consumer report. They were never given the proper consent to furnish a consumer report on my behalf. 


Violations committed by Transunion & the creditors : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 1681a - Definitions ; rules of construction 15 U.S. Code 1681i - Procedure in case of disputed accuracy 15 U.S. Code 1692c - Communication in connection with debt collection
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I urge you to promptly remove this late payment from my account, as it does not accurately reflect my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Please update my account promptly.
Consumer complaint received 2024-05-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: M&T BANK CORPORATION (NY)

Complaint Regarding Mismanagement and Fraudulent Practices by M & T Bank I am writing to formally complain about ongoing issues with M & T Bank regarding the misallocation of funds received from the Homeowners Assistance Fund ( HAF ). These issues have caused significant distress and potential illegal foreclosure proceedings on my home. 
Summary of Issues : Misallocation of Funds : In XXXX, M & T Bank received {$640.00} from HAF intended to complete my mortgage reinstatement. Consequently, I should not have owed any payment for XXXX. Despite this, the bank has not applied these funds to my account and continues to demand payment. 

Foreclosure Proceedings Despite Payments : M & T Bank initiated foreclosure proceedings even though they received all necessary funds to prevent foreclosure. This action occurred despite the bank receiving {$14000.00} on XX/XX/year>, from HAF, which was supposed to cover six months of late payments for a mortgage of {$370.00} per month. 

Failure to Account for Received Funds : M & T Bank claimed they never received the funds from HAF. However, HAF confirmed that all checks sent to M & T Bank were cashed. Despite this, the bank can not account for the funds and proceeded with foreclosure. 

Additional Funds Required Without Justification : After the initial payment, HAF allocated an additional {$13000.00} to reinstate my mortgage. M & T Bank demanded these funds despite not accounting for the {$14000.00} received earlier. 

Inaccurate and Fraudulent Charges : M & T Bank increased my monthly payment from {$370.00} to {$480.00} without justification, for a fixed-rate 2 % Fannie Mae loan . Additionally, my statement reflects fraudulent monthly charges of {$2000.00}, contrary to the agreed payment terms. 

Lack of Accountability and Potential Fraud : The actions of M & T Bank suggest targeting and fraudulent practices against customers, potentially leading to home loss without consequences. It appears these issues might not be isolated incidents. 

Actions Taken : * I have engaged an attorney to ensure the new payments from HAF are correctly credited and to prevent further illegal foreclosure attempts. 
* I have been in continuous contact with HAF to verify the allocation and receipt of funds.
Consumer complaint received 2024-05-22
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. (CA)

I obtained a copy of my consumer report and identified an item that I wish to dispute. I have experienced emotional distress as a consequence of this issue, and I have recently experienced suicidal thoughts. As a result, I am demanding that this matter be resolved in a fair and equitable fashion, which has not yet occurred. I clearly never gave this agency written authorization or written instructions to report this information, This agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court.
Consumer complaint received 2024-05-21
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. (FL)

I'm experiencing distress, dissatisfaction, and stress concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments. I haven't missed any payments, and I urgently need your assistance in resolving this matter.
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. (NY)

XXXX, TransUnion, and XXXX Summary of Incident : Consumer Details : XXXX XXXX, Social Security Number : [ XXXX ], Date of Birth : XX/XX/XXXX. A formal complaint has been lodged with the CFPB in response to an erroneous credit report issued by TransUnion, which has been contested according to FCRA 605B ( 15 U.S.C. 1681c-2 ). That TransUnion credit reporting agency block information appearing on my consumer report, that is a result of identity theft and fraud within 4 business days of receiving this complaint. Details of the Complaint : This complaint originates from an incident of identity theft, corroborated by the disputed credit report from TransUnion. It wrongly includes several unauthorized accounts and inquiries : A credit account purportedly opened with XXXX ( XXXX XXXXXXXX XXXX  ) on XX/XX/XXXX. An additional account was allegedly initiated with XXXXXXXX XXXX  on XX/XX/XXXX. These unauthorized accounts have resulted in multiple derogatory entries on my credit report, such as hard inquiries and collections, which I do not acknowledge and have not consented to. These entries have detrimentally influenced my consumer XXXX  score. Additional Documentation : Provided are the list of hard inquiries, a copy of my consumer XXXX credit report, and a copy of the FTC Identity Theft Criminal Complaint ( case number [ private ] ) filed with the U.S. Federal Trade Commission. These documents support the assertions of identity theft and the resulting errors on my credit profile. All listed accounts, inquiries, and collections are claimed as the result of identity theft and were not authorized by me. This version has been tailored to include the specific details you provided. If you need further adjustments or additional information added, feel free to let me know!
Consumer complaint received 2024-05-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in White v. XXXX XXXX XXXX, 993 F. Supp. 2d 1154 - Dist. Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. 
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT XXXX provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Consumer complaint received 2024-05-21
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. (MT)

I disputed to reporting agencies all debt concerning XXXX  XXXX Acct # : XXXX and all claims to contract pursuant 15 USC 1602g, 1666B ( a ), 1681b ( 2 ), 31 USC 5118 ( d ) ( 2 ) under consumer report exclusions. My identity was stolen and all negative items do not belong to me and was charged off and reported without express written consent. These are considered identity theft and adverse actions.
Consumer complaint received 2024-07-12
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. (GA)

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$6600.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX : {$32000.00} XXXX XXXX XXXX Balance : {$720.00} XXXX XXXX XXXX XXXXXXXX Balance : {$24.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$610.00} XXXXXXXX XXXX XXXXXXXX Balance : {$260.00} Bankruptcy XXXX XXXXXXXX-dismissed Reference # XXXX Date Filed/ReportedXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} 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 2024-05-22
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. (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.

has violated my rights. Or a 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 2018-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

The following accounts still appears on my Experian credit report, although they were supposed to be removed last month ( XX/XX/XXXX ) You have 27 Inquiries Inquirer Name Inquiry Date Removal Date Business Type Contact Information XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX
Consumer complaint received 2024-05-22
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. (NY)

Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX The above account which is one account and being reported as 2 different accounts, Was investigated and i am in a disagreement with this investigation. I reached out to the original company XXXX and they did reply and said they don't have any information to the account. I did reach out to the other company XXXX XXXX for more information and the contract they had with XXXX. It has being more than 60 days since and i have not received any reply. 
I demand both account to be deleted in my credit report since its infridging my rights by reporting both account falsely. Attached is my communications with the company and a proof of how both account are reporting falsely.