davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-03
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. (MD)

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 informationisinaccurate.
Consumer complaint received 2024-03-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MA)

Since XXXX I have been paying student loans! I was put in default and wages were garnished when I should have been taken out of default after 5 years. I never got a call, received a letter regarding my loan status and or what my loan balance was. Since then I have paid XXXX! and still had a balance of XXXX! I applied for PSLF because I have been XXXX since XXXX and supposedly I was awarded that and am XXXX payment over the XXXX. I deserve a refund. I also am owed the XXXX in over payments which every month I paid XXXX a month, ( XXXX ) the fact that I never received information, payoff amounts, or any other documentation regarding the status of my loans is unacceptable! I nearly fainted when I saw the XXXX in total payments provided by my employer and to still have XXXX left! My school didn't even cost half of that! I could have applied for the loan forgiveness when I started XXXX but never got information. I have been misled for XXXX years regarding these Federal Loans! The financial strain this has put me in since the garnishment has been emotionally warring. I was robbed by the Federal Education System. Federal Student Aid made thousands of dollars off of my interest and not to mention late fees and penalties. I expect a refund for the XXXX in over payments and some if not all of the XXXX! I have called so many people and all the loan serving companies that were assigned to me have no idea where my payments are and or where they went to! I have documentation from my employer and will provide that to you. I have worked all my life, been on my own since I was XXXX and to have the Federal Government rob me of what I deserve is just horrible. I need help regarding this unfortunate situation. Feel free to contact me at XXXX or XXXX I look forward to hearing from you and recouping money owed to me.
Consumer complaint received 2024-01-04
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. (NY)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 2024-04-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: CrossCountry Mortgage LLC (MD)

In the Uniform Residential Loan Application Form, XXXX XXXX from CrossCountry Mortgage inaccurately marked the XXXX XXXX ' box for my husband. Given that XXXX XXXX had clearly seen my husband 's driver 's license ( which visibly shows he's Caucasian ), this was incorrect. Over the years, it's been widely recognized that financial institutions disproportionately charge XXXX couples higher interest rates. Even if XXXX XXXX filled this out before seeing my husband 's license, his assumption seems questionable, making our paperwork incorrect. 

Due to several issues with CrossCountry, I requested an email from XXXXXXXX XXXX  supervisor. As a result, we received a text from XXXX XXXX XXXX of CrossCountry Mortgage on XX/XX/2024. Unfortunately, XXXXXXXX XXXX correspondence was unprofessional, containing a threatening undertone. He stated, " ... if I do not provide it [ bank statements ], I do not close on the house, '' which was particularly offensive among other things. 

Despite mine being the name on the initial inquiry, application, and consistent communication that I am the primary applicant, CrossCountry incorrectly put my husband as the primary borrower. They continued to label me as the 'joint borrower, ' making me secondary on all subsequent paperwork. 

There were various dates where emails were shared with disrespectful language, incorrect information in documents, information not being shared among important parties ( e.g., XXXX XXXX XXXX XXXX so the Title Company did not know we are in another state and can not sign the closing documents in the state where we bought the home, and the Title Company being so lazy that me and my husband had to find our own Notary.
Consumer complaint received 2024-01-04
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. (VA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-23
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: Incomm Holdings Inc. (FL)

XX/XX/23 {$.00} to XXXX  for a purchase I didn't make the company incomm refusing to dispute for reasons they are not going to try to recover funds
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

I underwent a XXXX XXXXXXXX situation where my finances were stripped and was incapable of paying the loan XXXX of 2021. I have consistently never missed a payment and the situation I underwent prohibited me from being able to pay on time. Id like for this to be removed since the police had gotten involved and had to recover my finances.
Consumer complaint received 2023-09-21
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)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

To whom it may concern : I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. OK, so here 's my challenge for you : Make a document that shows all of the evidence and sends it to me. It should be verified, complete with sources! The XXXX  XXXX states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! The report you sent me is not accurate. Are you sure that all of the information is accurate and properly formatted? The below-noted claims are disputed and have not been confirmed as facts. Please take care of any false accounts on my credit report. I am requesting that you fix this issue as soon as possible because it will affect me financially in the future if left unchecked. I can't live with anything less than 100 % accuracy on my credit report. I want only factually accurate, verified and compliant data documented in it! 
Below is a summary of the data in which I am challenging : Summary of Inquiries being challenged in list form 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 2023-09-01
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX Account # XXXX have violated my rights. 

15 U.S.C 1681 section 602 ( a ) ( 4 ) states I have the right to privacy.

15 U.S.C 1681 section 604 ( b ) ( 2 ) ( A ) states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-01-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (OK)

My XXXX got a call on XX/XX/XXXX from a lady named XXXX at XXXX XXXX XXXX from XXXX asking for myself to return a call to XXXX at XXXX XXXX XXXX referring to case # XXXX so I did and was told by XXXX, who portrayed himself as a mediator for a debt collector stating the debt was XXXX plus XXXX court cost if I was served papers and he said I would be served that day and they were on the way. He had all my personal information ( full social security number, name and address and old credit card account number ) I was aware that I had that old account many years ago and his scare tactics made me think maybe I did owe something so not wanting to be served I offered an amount of XXXX, was put on a short hold, he returned and said XXXX would resolve it and stop the process server that was supposedly in route, which was not true at all, just a rushed scare tactic to get my attention. Finished call and started researching that old account and realized pretty quick that the old account was actually owned by another debt collector and the amount was only XXXX and the debt was so old and not on my credit report that I didn't know it was even out there anymore. Tried to call XXXX back to cancel payment and never got an answer or return call after leaving messages. Kept researching and found out that XXXX XXXX XXXX did not exist at physical address on the receipt, made a police report, they investigated company and had the same findings, that the company did not exist. Opened dispute with Chase credit card company for the charge on my card that day, never heard back from them about needing more information just said they would investigate, they sent me a letter on XX/XX/XXXX that said they found the charge valid. I called to ask why and sent them proof on the old account that was never paid and police report, reopened dispute and once again I don't believe it was investigated thoroughly. So after numerous calls to Chase explaining the situation many times they sent another letter on XX/XX/XXXX stating the charge was valid. I don't know what to do at this time, I don't want to pay for services not received because the money I paid NEVER went to the old debt, complete fraud and I do not support that, especially after I provided evidence that shows this was fraudulent. Please help protect my consumer rights and contact Chase over this matter as they will not help me.
Consumer complaint received 2023-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NC)

Macy credit services have displayed malicious, unethical practices by penalizing myself as a consumer for making an electronic check payment early for the following month. XX/XX/XXXX payment was made on time XX/XX/XXXX. Another payment was made ahead of time on XX/XX/XXXX to credit to XXXX payment. This payment was made because my banking account had been compromised a payment was sent in advance before it was closed out. Macys XXXX XXXX credited the payment for XXXX and began to charge late fees for XXXX, XXXX and XXXX. If the payment made on XX/XX/XXXX was credited to XXXX as I requested and intended this would be solved. I have reached out to XXXX XXXX in XXXX and was placed on hold for 2 hours. In XXXX I reached out again to explain the situation and was left on hold for over an hour until I finally hung up. This is unacceptable & poor customer service. Additionally Macys has reduced my credit limit likely due to the fraudulent claims of late fees now on my credit report. Awful experience. I intend to close my account if this is not resolved and company ceases consumer predatory practices.
Consumer complaint received 2024-02-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

I been scammed. I received a call from a JPMorgan Chase number and I thought it was one of the representatives, the caller has said that there has been fraudulent activity on my bank account, he then asked me to verify my transactions, from there he had said there was someone trying to pull XXXX in branch from my bank using a fake id. He then said that we can reverse the funds doing a wire transfer and that was when it happened, I then ask why am I sending money and he said that itll be reversed back into your account and from there we will investigate on it. Caller said he was going to call me back as soon as possible but there was no luck on that. I contacted my bank and they have said they can not do anything since its been completed. I did go ahead and contact the recipients bank. The bank listed was not the bank that he said it was. It turned out to be a different credit union. I made multiple calls and finally I was able to get a hold of the recipients bank. All they can say is that their fraud department will take 45 days to resolve and that the chances are slim. I know that I been scammed and that it was a someone calling under chases number.
Consumer complaint received 2022-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EGL US, LLC (OH)

BMG Money is reporting inaccurate information to the credit bureaus. I have ONE loan with them, and my report shoes TWO active/open loans, which is increasing my debt to income ratio on my reports. I've contacted them several times. In XX/XX/2022 they asked me to email screenshots of the discrepancies, I did. 5 months later in XX/XX/2022, the same loans are being reported! I called and talked to a XXXX named XXXX, she hung up on me, and never called back. 

It's extremely disappointing they are not interested in addressing this. This is negatively affecting my credit, and I need it taken care of expeditiously.
Consumer complaint received 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

According to my consumer report I received dated XX/XX/2023 and I have noticed various areas in the way you are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open ended credit plan as late for any reason. If you need direct citation please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you or Equifax such authority. In accordance with 15 USC 1681a ( 4 ), I have the right to privacy by furnishing transactions between I the consumer and the furnisher which is a violation 15 USC 1681a ( 2 ) ( A ) ( i ).

Pursuant to 15 USC 1681a ( 2 ) ( A ) ( iii ) - the consumer must be given a chance to direct the information whether they want the information about a transaction to be reported or not. This is referenced to the Gramm Leach Bliley Act. I was not given that opportunity which is a violation of said section. 
Your apparent and constant neglect to properly carry out your job is costing me by ruining my consumer report. This letter is an attempt to remedy the following listings you have listed on my consumer report. As I have contacted Equifax and the corresponding information is not as listed on my consumer report. These accounts should PROMPTLY be updated as ON TIME : 1. Pursuant to the Fair Credit Reporting Act 15 USC 1681a ( e ) Investigate consumer report means no factual information should be furnished on my consumer report. Pursuant to 15 USC 1666-1666b and 12 C.F.R. 226.13 remove all late payments. In Accordance with 15 USC 1681 ( a ) ( 4 ), I have the right to privacy and you are invading my right to privacy by furnishing transactions between I the consumer and the company XXXX XXXX ) which is a violation of 15 USC 1681a ( 2 ) ( A ) ( i ). 
XXXX Account Number : XXXX I demand that these late payments be removed or be civil liable for damages pursuant to 15 USC 1611 ( 1 ) ( 2 ) ( 3 ) you will be fined no more than XXXX or no more that XXXX year in jail. 
Any information listed on my consumer report must be verified or immediately removed. I am due for a thorough and proper investigation. Please send me any information regarding my request and an updated consumer report showing that the abovementioned demands have been met. As a gentle reminder, this is my first and final attempt at peaceful civil mediation. 
I request that you provide me with proof of this alleged payment being late. If unable to provide or lacking proof of the payment being late, update the payment history to be paid as agreed/never late ( PAANL ).
Consumer complaint received 2023-06-29
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: National Credit Systems,Inc. (GA)

The account is not mine and i never stayed at the apartments. I told them that they have commited Aggravated Identity Theft pursuant to 18 U.S.C. 1028A.

also this agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 
Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Credit Systems,Inc. (TX)

Pursuant to 18 usc 8, I owe no debt, this company is violating my consumer rights I privacy pursue to 15 usc 1681 b 2 company has also no permission to report anything using my info pursuant to 15 usc 1681 4
Consumer complaint received 2024-01-04
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'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I am writing to address an error in the recording of a payment on my credit report, which was inaccurately processed by XXXX BANK. Despite making a payment on time, there was a discrepancy in the recording due to an error in their software system. Upon identifying this issue, I promptly contacted XXXX BANK to rectify the error. They acknowledged the error in their recording software and agreed to update the payment status to " open/never late '' to accurately reflect my payment history. But the bank is not complying with their word, they said they would fix the issue but it's still remaining in my report. Please have this account updated : XXXX BANK XXXX