davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. 
Please block the reporting of any information in my credit file that resulted from alleged identity theft. 

XXXX XXXX, XXXX 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
Consumer complaint received 2024-06-12
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: EQUIFAX, INC. (MO)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-09-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Branch Messenger, Inc. (MO)

On XX/XX/2024, I contacted Branch to request an extension of my spending limit so I could transfer the full balance from my Branch account to another bank with the intention of closing my Branch account. However, I was informed that this process would take some time. Given the delay, I then requested to transfer {$1500.00} to cover my rent while waiting for the full transfer and account closure. I made it clear that this was an urgent request. 

Despite my urgency, Branch did not respond until XX/XX/2024, XXXX days later. The response was generic and indicated that my request had been forwarded to a specialist, but I was not provided with a timeline for resolution. Furthermore, there was no option to speak directly with the specialist over the phone, only via email, which further delayed the process. 

I work a high-demand XXXX job as a Director of Traffic and Billing for a radio station, making it difficult to follow up repeatedly. On XX/XX/2024, I contacted Branch again, this time urgently needing access to my funds to purchase my first car. Unfortunately, I experienced the same slow and unhelpful process. 

As of XX/XX/2024, I now do not have total access to my funds. I urgently need this money for essential expenses, including the purchase of my first car and covering my rent. Despite explaining this multiple times, Branch has not provided a resolution, and their delayed responses have caused significant financial stress. I am requesting your assistance to expedite this matter so I can access my funds and close my Branch account.
Consumer complaint received 2024-07-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (ME)

On XX/XX/2024, I made a payment of {$210.00} to Mohela when they were transitioning their servicing playtorm to a different site. The payment was taken from my bank account, but not applied to my loan. I have called Customer Service greater than 5 times on this matter and they have confirmed the payment did occur but I get the same cookie cutter reply that its being worked on to apply to my account. At first they told me to wait 30 days, now 90 days. We are far past 90 business days and I have not been refunded nor is the payment is not reflected on my account.
Consumer complaint received 2024-08-18
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (NC)

XXXX of XXXX, Care Credit card by Synchrony Bank was approved for XXXX. Account always in good standing. Due to another creditors unlawful derogatory reporting, without my consent, Synchrony Bank has reduced my credit limit to XXXX which is discrimination. Just last week the credit limit was reduced to XXXX When I asked for increase XX/XX/XXXX, I was denied.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (VA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Balance Owed : {$310.00} XXXX XXXX XXXX XXXX Balance Owed : {$280.00} XXXX XXXX Balance Owed XXXX {$280.00} XXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$500.00} XXXX PACI XX/XX/year>XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-09-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Klarna AB (MD)

Klarna offered an option with XXXX computer purchases in XXXX in which they would charge interest free monthly payments for the full amount. I bought a {$1000.00} workstation and signed up for interest free monthly payments. The payments were to continue to be interest free unless a payment was missed, in which case they would add interest. 
My company paid all the payments on time and even set up autopay for direct debit from my checking account. 

When I contacted Klarna, representative could not explain : Why I had paid over {$2000.00} to them for a {$1000.00} interest free payment schedule, Why the amount of money they withdrew from my account changed over the course of time, Why they stated there was over a {$1400.00} balance currently owed. 

Furthermore, the representative stated I could not directly speak to the finance department, nor was i allowed to contact them directly. She stated that the finance department would only communicate with me by email once they looked into my complaint.

I suspect that Klarna is engaged in incompetent or fraudulent activity. I would like to have my excess payments refunded with additional interest owed to me on the excess and penalties.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

My accounts was never late! I have had exceptional payment history with capital XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-09-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Velocity Portfolio Group (MS)

I have disputed over and over with indigo and CKS PRIME INVESTMENT who sold my debt with Out my permission.. I settled and paid my debt XXXX removed the collection as agreed but it is still on XXXX and XXXX AFTER the company agreed to have it removed XXXX they violate my rights and never told me it was sent to collection only after I noticed on my credit report! I paid the debt I asked them to remove it since they did on my XXXX report as agreed XXXX since they never notified me the debt was bought I asked them to remove from my credit files..
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

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 : DP OF EDUC Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : 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 2024-08-07
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My name is XXXX XXXX last XXXX of my social are XXXX my date of birth is XX/XX/year>. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX  XXXX XXXX. {$2600.00}, XXXX XXXX  XXXX. {$730.00}, XXXX  XXXX XXXX XXXX. {$4100.00}, XXXX  XXXX XXXX XXXX. {$4300.00}, XXXX XXXX XXXX. {$11000.00}, XXXX XXXX XXXX. {$8800.00}, XXXX XXXX XXXX. {$8900.00}, XXXXXXXX XXXX XXXX {$17000.00}, XXXX XXXX  XXXX XXXX. {$4400.00}, XXXX XXXX XXXX. {$8700.00}, XXXX  XXXX XXXX XXXX XXXX {$20000.00}, XXXX XXXX. {$32000.00}, XXXX XXXX. {$15000.00}, XXXX XXXX XXXX XXXX. {$970.00}, XXXX XXXX XXXXXXXX XXXX. {$980.00}, XXXX XXXX XXXX XXXX. {$5400.00}. 

These accounts have resulted in several fraudulent negative accounts and collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts or collections reported. The aforementioned accounts and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.
Consumer complaint received 2024-09-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (CA)

I spoke to a rep from my mortgage company, Mr. Cooper, on the phone today and he told me that they are not going to make my mortgage insurance payment even though I've been making my mortgage escrow payments for that purpose. The rep 's name was XXXX and his direct line is XXXX. On XX/XX/XXXX, they sent me a letter that said the following, " ... Our resource book, the nationally published XXXX XXXX XXXX XXXX XXXX indicates the financial strength of insurance companies. A company XXXX  XXXX or better provides the coverage and protection our investors require. Your policy does not meet our acceptable coverage standards. Please contact your agent and provide us with a new policy to avoid the placement of temporary coverage on the property. '' I checked with AM Best and learned that my home insurance company, XXXX  XXXX, did indeed have a XXXX XXXX According to Mr. Cooper 's letter, that was sufficient. Mr. Cooper sent me an email to that asked me to submit proof that I had a the appropriate coverage. I uploaded a document through their secure server at XXXXXXXXmrcooper. On XX/XX/XXXX, I received an email from Mr. Cooper that said the following, " Thank you! Your insurance information has been reviewed and updated using the details provided. No further action is required at this time. '' XXXX verified that the letter said exactly what I say it did above- that they require an insurance company to have a XXXX XXXX  or better, like mine does. And, he told me that they sent me another letter in XXXX that said the exact same thing. But, on the phone today, XXXX said to me that they I must get a new home insurance company that is XXXX XXXX or better. 

Right now, in California, it is not easy to get a new home insurance policy. Many large insurance companies are no longer taking new customers. It does not seem fair for a mortgage company to demand that I switch insurance companies and it's even worse that they have not given me adequate notice in writing. As things stand, my current property insurance is due to expire on XX/XX/year>. XXXX told me that I need to get a new insurance company before that date or his company will begin to charge me for home insurance. He did not provide an estimate of the cost. 

I am writing to you because I suspect that many other consumers with mortgages in California are being subjected to this kind of treatment and I am wondering whether it is legal. XXXX, is it legal for them to demand that I switch home insurance companies? XXXX, is it legal to demand that 5 days before my current policy expires? XXXX, it is legal for them to demand that verbally? XXXX, is there any requirement on their part to provide me adequate notice in writing? I am really hoping that someone from the CFPB might be able to intercede on behalf of myself and others to stop Mr. Cooper from treating customers this way.
Consumer complaint received 2024-08-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NJ)

I have spent months attempting to get Nelnet to update their records, and to stop harrassing me to " collect a debt '' that is/should be showing as " XXXX XXXX ''. I've provided numerous attachments to the company, have spoken with the school, and everything is correct except for Nelnet.
Consumer complaint received 2024-09-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (TX)

A check was deposited in my name from a bank I've never heard of. I'm XXXX XXXX XXXX I've been banking with Wells Fargo for years not once have I had anything like this happen until now. The check deposited into my account was invalid and I didn't deposit it or the transactions and they somehow got authorized and I didn't give anyone my stuff I was able to get my card replaced and changed my stuff but because of this check returning my account is negative and the bank is trying to close it because of that I sent a dispute and today they said there were no errors. I don't want to lose this account and I'd like to have the charges removed I can't stay in negative numbers it's very scary the check was XXXX dollars I issued a claim about both the transactions and check XXXX XX/XX/XXXX and the other today XX/XX/XXXX the thing was deposited XX/XX/XXXX or XXXX I had no idea please help me it would be very difficult because to them they think I made it and trying to have me pay the stuff back when I didn't use it. They deposited the check at Wells Fargo and I didn't do it
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

I tried to change my actual name and address on my credit report numerous times. Every time I check my report, the same old address and wrong name is still listed. I would like my address to be updated to one address I live at now and the others removed asap. My name is XXXX XXXX and not XXXX XXXX. My first name as XXXX is on my birth certificate and that is what I should go by.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (IL)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AUTOMOBILE ACCEPTANCE CORPORATION (NC)

XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Reason : Please provide a 1099c as this account is reporting as write off Instruction : Please delete due to a violation of 15 U.S. Code 1692g - Validation of debts Please VALIDATE this information with the creditors and PROVIDE ME WITH ANY DOCUMENTATIONS associated with these accounts, ( i.e.an ORIGINAL CONTRACT BEARING MY SIGNATURE ). I formally request that this information be immediately corrected or deleted from the credit file you maintain under my social security number. Please note that you have 30 days to complete your investigation, as per the FAIR CREDIT REPORTING ACT section 623 ( a ) ( 3 ), and I am keeping CAREFUL record of your actions. Failure to respond satisfactorily within 30 days of RECEIPT of this letter will result in a small claims action against your company. I will be seeking damages for : 1. ) Defamation 2. ) Violation Of The Fair Credit Reporting Act P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via the XXXX XXXX XXXX 

* Please remove all non-account holding inquiries over 30 days old. 

Thank you for your cooperation in this matte
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

Around dates of XX/XX/XXXX to now updated XX/XX/XXXX XXXX, I only asked Experian credit beauru agency to remove names I do not anything about. Experian went as far as removing apartment numbers XXXX and XXXX from my credit report screening for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX. 

Never requested for them to do that.
Consumer complaint received 2024-08-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (PA)

I received communication that MOHELA was transitioning to a new platform. There were a few things, none had ANY mention of being placed in a forbearance for the time period, or automatic payments not being made during this time. Come XX/XX/XXXX that my " repayment schedule changed '' so I called. I was told that I was being placed in a new type of repayment and I was very confused, I am in the level payment schedule and not in any type of IDR or any of that sort. I asked when my loans would start pulling from my autopay, and they did know, but I could keep an eye on it myself. 
XX/XX/XXXX I get an email that I have 45 days before my forbearance ends. 
Again, I was not told of any forbearance. I dont know how it is LEGAL to not pull autopayments and place loans in forbearance and STILL COLLECT INTEREST. 
Then, my account transitioned to a new online platform ( XX/XX/XXXX ) XXXX went in on XX/XX/XXXX and updated my autopay option, as I saw it was gone, and was not told it would need to be re-done after that transition. I made my own payments in XXXX and XXXX. XX/XX/XXXX, I get an email my payment is due soon, but I had to manually make my XXXX payment. 

Then on XXXX, I got an email saying that my payment was due soon. I opened it and it says my payment is due XX/XX/XXXX. XXXX? In XXXX? When is it being pulled? I have gotten either NO information or incorrect information ever since transitioning to MOHELA in general, and it has gotten much worse since moving to a new platform.
Consumer complaint received 2024-09-13
Product: Mortgage — USDA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (VT)

My taxes are escrowed, it's roughly just over {$3000.00} annual, they were paid for year but they first said it's a quarterly payment of that, so I tried correcting them with evidence from town receipt. But it escalated and there staying in short, my mortgage payment went from around {$1000.00} to {$2000.00}. Everything is via email and can not talk to a person about confusion it just has gotten worse.
Consumer complaint received 2024-07-09
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)

I am submitting this request to inform the credit Bureaus that I have been a victim of identity theft. According to FCRA section 605b, you are obligated to remove or eliminate these items listed in an identity theft report. Enclosed are the necessary documents to facilitate the removal of the inaccurate information from my report. 
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 Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, SELF / LEAD XXXX Balance : {$0.00}, XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$870.00}, XXXX XXXX NA XX/XX/XXXX, XXXX XXXX NA XX/XX/XXXX, XXXX OF XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX