davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-14
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)

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 XXXX Account : Account Number : XXXX Account Name : XXXX XXXX XXXX Account : Account Number : XXXX Account Name : XXXX XXXX Account : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit 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 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 XXXXXX/XX/year> XXXXXXXX XXXX XXXXXXXX XX/XX/year> 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 2024-05-30
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: EQUIFAX, INC. (TX)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXXXXXX
Consumer complaint received 2023-12-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CA)

When I reviewed the notice Mohela would be my new lender. I created my user account and seen it said I was on administrative forbearance and did not have an upcoming payment. I reached out multiple times for clarification. They did. It respond. The next month I received a notice I was late on a payment. I reached out to through their online messaging and phone to explain the situation. I chose to pay my monthly payment but it continues to state one payment missed Another issue is with my PSLF, it states I need my employer to certify my employment but I have already done this. 
It also has a previous employer from 2016. I have reached out to please update my current employer and my PSLF documents. I have not received any response. 
I am deeply concerned my payments are not being processed properly and information is incorrect which will lead to me not qualifying for my 120 payments. I have been in college with loans for 18 years and interest has accumulated massively.
Consumer complaint received 2023-12-27
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (NH)

I opened a credit card through Best Buy to purchase a new TV. The rep in the XXXX, NH store noted that the credit card would provide for 10 % back on the first order. I asked " how I would received that XXXX %? '' and further ninquired whetehr it would be in the form of vis card or statement credit. The rep told me a statement credit woul dbe issued. I said well that sounds great as my current card would on ly offer XXXX  % back and this is a large purchase. As a result I set up the card at the register and purchased the TV. This was on XX/XX/12. I rec 'd the TV via home delivery on the XXXX and it has been fine since. Today XXXX rec 'd some emails indicatting I have best buy rewards to use on future purchases. I chatted through the Best Buy app and rep informed me thats the 10 % from first purchase to use for future transations. I explained this is not what I was told or disclosed. Had I been told this is how the rewards program work I would not have set up the card. I escalation to a manager who did nothing and noted they were sorry but had zero capability to solve the issue. I explained this violates credit offering standard but they couldn't do anything. Following this I contacted the card financing department who also informed me that they have no way of offering statement credit so their hands are tied as well and my only solutions would be to file complaint through this consumer protection channel.
Consumer complaint received 2019-05-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NV)

My mortgage is held by Ocwen Loan Servicing. My monthly mortgage payment was {$1700.00} per month. That payment was fine.Over the past 2 years my family income has declined by about 20 %. It was getting harder and harder to make the payments. 
I requested a loan modification. on XX/XX/2019 Ocwen came back with a payment amount of {$1700.00}. I told them that a {$15.00} decrease in my payment was not going to help me.At the same time my house was damaged by weather. I received a check from the insurance company that needed to be endorsed by Ocwen. They received the check on XX/XX/2019. They still have not paid me any of that money to fix the house. The house is currently uninhabitable due to the weather damage. ( I filled a complaint with CFPB # XXXX ) to force them to give me the insurance money I need to fix the house so that I can move back in. After the modification for {$1700.00} and the fact that I am not able to live in the house I requested another trial modification. On XX/XX/2019 they came back with a new modification payment of {$1700.00}. So the bottom line is 1 ). my income dropped by 20 %. 2 ). After 2 modifications my payment INCREASED by {$7.00}. 3 ). I am unable to live in the house because Ocwen will not Give me the insurance money ( that I paid the premiums on ) to fix the house. I am currently at least 4 months behind on my mortgage as I am forced to pay for other means of housing for my family
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. (CA)

I am writing once more to express my bewilderment at your credit bureau 's handling of the investigation into the accounts, as I continue to dispute the presence of fraudulent accounts on my credit report. As you are aware, I have submitted the required FTC report regarding this fraudulent account. Following my submission, both XXXX and XXXX removed this account from their records. I have also directly contacted the company associated with this account, and they have confirmed the removal of the account. Therefore, I am puzzled as to why this account is still being reported by your bureau. It is imperative to recognize that as a credit bureau, you are legally bound to ensure the accuracy and timeliness of your records. Failing to remove this fraudulent account not only violates this obligation but also exposes me to further harm. 

XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Consumer complaint received 2023-11-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NV)

on XX/XX/23 at XXXX I looked into my bank account to check my income check deposit which was received but noticed a discrepancy in my income check. later that same morning once logged back into my account to verify my income deposit to see if there was an adjustment I noticed my account was now in the negative. I immediately called Chase and informed them of the discrepancy of my account and demanded an explanation, and at that point they immediately locked my account and was unable to see any of my account information or statements. I spoke with claims and the fraud department and I also went to the bank to speak with a representative directly to understand what happened. After calling multiple times over a week I spoke with the fraud department who told me that they have closed my account and they sent information regarding four checks that were deposited remotely somehow, falsely. They also made false claims of action of past transactions that were requested from other creditors to be refunded back to my account. After all there claims were done they took all my money in my account and stated they would send me a balance of what was left if any, and check of {$290.00} would be sent to my home. Estimated prior balance : {$1000.00} one checking account, 2nd Checking account {$1300.00}, Payroll deposit {$1100.00}, second income payroll deposit correction was added {$310.00}
Consumer complaint received 2018-05-06
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: Experian Information Solutions Inc. (AZ)

My XXXX XXXX XXXX XXXX credit card account : XXXX, is lost/stolen. I lost my credit card on XX/XX/2018. There are fraudulent and unauthorized charges on the account that arent mine. I want XXXX XXXX  to immediately close the account, and issue me a new XXXX XXXX  XXXX XXXX credit card account number and card. I did apply for the XXXX XXXX XXXX XXXX credit card. Every card I have with XXXX XXXX, I did apply for the credit card accounts.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

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

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2023-12-27
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Army and Air Force Exchange Service (FL)

I was notified that somebody checked my credit history without consent, and then was sent a credit card from military star for a credit line of {$7100.00}. I never applied for this card nor did I authorize them to run a credit check nor send me the card nor open an account.
Consumer complaint received 2023-05-04
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX is out of Compliance. 

I have never lived at XXXX XXXX XXXX XXXX XXXX 

According to 15 U.S.C. 1681e, this collection agency has not provided documentation as to how my information was obtain.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below ; Validation and Verification. 

The account number is # # # # # # XXXX XXXX XXXX XXXX does not have a license to place collections in Georgia, according to XXXX XXXX XXXX. Please delete this collection from my credit report.
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to bring to your attention a matter of great concern related to what appears to be an ongoing and persistent issue of multiple attempts to remove fraudulent items from my credit report. Despite my previous efforts to rectify this situation, it is disconcerting to observe that unauthorized parties are making repeated and unauthorized attempts to alter my credit information. 


I have noticed and documented several instances where fraudulent items on my credit report have been subject to removal attempts without my authorization or validation. These unauthorized actions not only compromise the accuracy of my credit history but also raise serious questions about the security of my credit information. 

Despite the evident impact of these removal attempts, I have not been contacted by your agency for proper verification or authentication. The absence of thorough verification procedures is alarming and contributes to the ongoing vulnerability of my credit information. 

Given the persistent nature of these removal attempts, I am deeply concerned about the heightened risk of identity theft. I have taken immediate steps to secure my personal information, but I urgently request a comprehensive investigation to prevent further unauthorized alterations to my credit report. 

I formally request that your agency conducts an immediate and thorough investigation into these incidents. Additionally, I seek regular updates on the progress of the investigation, along with detailed information on any actions taken to prevent and rectify the unauthorized removal attempts on my credit report. 

To assist in your investigation, I have attached relevant documents. I am asking for your assistance to remove these fraudulent items in my credit file 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-04
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I disputed on XXXX a couple accounts one being OUTDATED address and a fraudulent inquiry that I informed them of once before any inquiry that is not tied to an open account is fraudulent and I did not make and a couple UNLAWFUL AND ILLEGAL LATE PAYMENTS that Equifax refuses to delete the law is clear upon these matter 15 USC 1681A ( 2 ) ( a ) ( i ) It states *Transactions are not to be used on a consumer report at all* ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; So these Accounts listed below are reporting transactions and or experiences and this is illegal, consumer law states transactions and experiences are not part of a consumer report but they refuse to follow the law and delete these inaccurate accounts that are reporting this information below XXXX XXXX XXXX : Late Payment Reported XX/XX/XXXX XXXX : Late Payment Reported XX/XX/XXXX and XX/XX/XXXX XXXX XXXX : Late Payment Reported XX/XX/XXXX XXXX XXXX : Late Payment Reported XX/XX/XXXX I did not give written permission to report anything to my consumer report and they did not have Permissible Purpose by law to furnish any private or personal information to any Third-Party Reporting Agencies I will attach all disputes which are over the 30 days and they havent responded maybe you can light a fire up under them this time
Consumer complaint received 2023-12-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (GA)

I found my account was closed... they claimed it was fraudulent activity... i asked what looks fraudulent they gave me no answer they told me m funds would be sent to me in 1 to 10 buisness days ... that was over two months ago ... ..they say my funds are under review and they still wont tell me why or anything at this point i have no idea when or if im going to get my money..
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

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

I told XXXX, XXXX, and Equifax to DELETE & REMOVE these Fraudulent Accounts IMMEDIATELY : 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 EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT ] In addition to, the Credit Agencies stated everything was complete, accurate, and all the fraudulent items will be removed and or blocked in the 4 business days allowed with the law & in accordance to Consumer Law ( FCRA ) 15 U.S.C 605B & 15 U.S.C 1681 ; But the open date, date of last activity and much more is incorrect & fraudulent with these accounts on my Credit Bureau. 

According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. In conclusion, I would like to use the following Consumer Laws ( FCRA ) to my benefit in regards to my situation of Identity Theft and fraudulent, inaccurate & unauthorized items on my Credit Profile. 

The selected laws are as follows : 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 ], 15 U.S.C 1692c, 15 U.S.C 1601, 15 U.S.C 605B, 15 U.S.C 1681a-2, & 15 U.S.C 1681n.
Consumer complaint received 2020-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (CA)

My Name is Mr., XXXX XXXX, My Grievance /dispute : American Express Gold Card , card # XXXX, I've continued to make payments during this difficult pandemic {$4000.00} during COVID 19 despite this financial hardships we're currently under, moreover my business has been severely impacted by COVID 19 ; California Governor as instituted stay at home orders, close business and cause a tremendous slow down on my accounts receivables, I've been personally impacted by COVID 19, travel, and health care difficulties, moreover American Express is ignoring the United States Congress Cares Act, they have tried to force me to take a program that has ( unacceptable terms ), ( program is one size fits all ), I've requested more time to meet my payment balance and obligation 's they've instituted an pushed a no-nonsense aggressive collection practices and ( demanded payment in full ), in addition, this is a business Credit Card issued to XXXX XXXX , they have reported a negative trade line on my personal credit file for this card. ; i have reach out to upper management, with no success. 

I have a personal Everyday Amex Card with a XXXX balance, part of the program offered is that, they'd close my personal account if i sign on, to this ... .its a unacceptable plan,, I've worked extremely hard to build and maintain my credit, they've chosen to ruin it in a flash ; in concluding this is Force Majeure to no fault of the card holders on doing.
Consumer complaint received 2023-05-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: VANDERBILT MORTGAGE & FINANCE, INC (AR)

I got my mobile home in 2019 and was making auto draft payments. Last XXXX my payments went up from {$460.00}?? to {$660.00} with no warning. I called and was told they paid my property tax and an estimated ins increase. I asked why, they hadn't paid the first XXXX years. Apparently I signed something at the beginning to ok them to pay. They had no explanation to why they didn't pay the first XXXX yrs. I was told my escrow was short. I asked how could that be with me paying in on the escrow for XXXX yrs and they hadn't paid the taxes, there should have been more than enough. They said I got a refund, which I did not. They refused to refinance, or take any late payments off, and I got a budget lecture and told me to tell my son to drop out of college to pay his own way. After several phone called I talked to a manager and explained I was a XXXX XXXX with XXXX in college and just barely getting by paying bills. She said to just pay a partial payment and that would keep me from loosing my house as long as I was paying on it. I received a letter saying I was in default from not paying in XXXX  months. I called yesterday and was told that I haven't paid in XXXX months so I was in default. I told them the dates of my payment ( which was from $ XXXX {$550.00} ). They told me my payment was applied, my next months payment went to the previous months balance, then the remaining balance went to the next month etc which put me in not paying for XXXX months. My credit and financial is hurt and I can't get a loan to refinance since I used credit cards to pay for groceries and gas trying to keep up. Not only did I not receive refunds, they did a few reversal payments with no explanation.
Consumer complaint received 2023-05-04
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I received an email at XXXX XXXX on XX/XX/2023 confirming I had successfully joined their online banking service, when I had never banked with them ( BoA ). I got another email 5 minutes later saying my application had been denied. I tried calling the following morning but could not get through so I let it be since it had gotten denied. I received another email confirming my joining for online banking services again today ( XX/XX/2023 ). They have been unhelpful with dealing with this fraud and have sent me back and forth between departments.