davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

This is my final attempt to resolve this " late payment '' allegation. 

1. The dealership verbally ( and wrote the original contract ( 3 revisions of record ) ) told me the loan amount would be paid before XXXXXXXX XXXX due date. WHY WOULD I PAY FOR FULL COVERAGE INSURUANCE ( see attached ) for a vehicle that I didn't own? The contract information was edited to financially benefit XXXX XXXX XXXX! 

2. The sales agent was terminated from XXXX XXXX XXXX after the sale of this vehicle, due to negligence. If they deny this, I hope CFPB does a full audit on all transactions of the dealership.
Consumer complaint received 2024-03-22
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. (DE)

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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2023-04-24
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: EQUIFAX, INC. (GA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$600.00} ; XXXX XXXXXXXX Balance : {$390.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XX/XX/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
Consumer complaint received 2022-11-17
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. (CA)

Back in XXXX I noticed 2 accounts on my credit report that is due to fraud the accounts are XXXX XXXX and XXXX XXXX which has been a total nightmare for the last XXXX  years. The accounts never belonged to me I have never resided at XXXX XXXX XXXX XXXX XXXX Ga XXXX which is address associated with the accounts. I sent in police reports, affidavits and written statements to fix this horrible case of fraud off my name. The accounts never belonged to me and I'm requesting to have them removed immediately. Being a victim of fraud is terrible however continuing to fight with these companies is worse.
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (NJ)

I was looking at my credit report and noticed LVNV reporting a collection I am beyond frustrated that LVNV Funding is reporting this account. Accordingly, under 15 U.S.C. Sec. 1692c, this is my formal notice that I REFUSE TO PAY and for you to CEASE all further communications with me.
Consumer complaint received 2024-01-13
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Mr. Cooper Group Inc. (IN)

I applied for a mortgage assumption in XXXX of 2022 and the assumption process has still not been completed. In the pasts month I emailed all the individuals that I received contact information for with Mr. Cooper as no-one would ever follow-up with me. Here is an excerpt : " I am emailing all of you at once because this is now my XXXX email I have sent to Mr. Cooper associates in the past year. No one has ever responded via email even though I have been told multiple times that this is the means of communication and that the policy is that I will be receiving emails and/or phone call responses within 48 hours of correspondence as my account has been " escalated ''. I've also provided my availability each time I've made a request, and in the XXXX other emails and about XXXX calls I've made since XXXX, I have not received a response during my availability. There are absolutely XXXX acceptable reasons as to why Mr. Cooper has failed to service this account per contract agreement terms. Mr. Cooper 's failures have cost me over a year 's worth of mortgage payments ( not to mention utilities, gas, job opportunities, etc ) due to this not being resolved. This process has been an absolute nightmare and Mr. Cooper 's ( lack and flippant ) actions have been horrendous. '' In the past week I have requested information about the underwriting process twice to the same individuals and have not received any responses. I have also made multiple attempts to get basic questions answered and no-one has provided any responses to these questions. 
I am now on month XXXX since I initially began this process and still can not get Mr. Cooper to provide me with basic information and/or responses to my questions. They have also canceled my application 3 times without notifying me and have pulled my credit twice during this process, giving away my private information to companies not related to my assumption request.
Consumer complaint received 2024-01-12
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: Upgrade, Inc. (IL)

I was charged {$1100.00} by XXXX XXXX. I saw this charge and did not complete it. I went to look for my card and I could not find it. I filed a dispute with Upgrade and they denied it. This is not my charge. I refuse to pay for it.
Consumer complaint received 2023-09-15
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)

XXXX disputes have been sent and received by Equifax from XX/XX/2023 through XX/XX/2023 regarding an unrecognized XXXX account. Investigations have either been ignored or poorly conducted. The account is riddled with errors and shouldn't be on my consumer report.
Consumer complaint received 2023-09-01
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (VA)

I booked a hotel room for a wedding online using the stored card on my XXXX account ( my citi card ). I then find out that my account had been suspended and the purchase was declined. I never had this happen before. I called to rectify ( something that was not my fault ) and I was told the transaction must be done again ( by me ). I then requested to close. After providing all the information requested, the rep would not close. I then transferred to a supervisor who requested the info again, and would still not close.
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Insikt, Inc. (GA)

It has been over 4 years now my credit reporting is XXXX up. My bankruptcy fell off my credit last year. I am still currently a victim of identity theft. The IRS is still doing an investigation currently. I'm a victim of XXXX XXXXXXXX. Whoever took my identity tried to set me on XXXX some months ago. I just got out the hospital a few months ago with nothing resolved.
Consumer complaint received 2024-01-11
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. (NC)

XXXX XXXX XXXX has a negative account reporting on my credit report, per the XXXX XXXX XXXX XXXX is not authorized to report in the boundaries of my state of North Carolina and the documentation is attached as well as I have sent National credit systems a letter requesting debt validation back on XX/XX/2023 and they just like the credit agencies have failed to verify the method of verification of all disputes as requested as well as XXXX XXXX XXXX has failed to validate the debt. 

Equifax, XXXX and XXXX are in violation of US USC 1681i ( 6 ) ( b ) ( iii ) and 15 usc 1681i ( 7 ) not providing the method of verification is a willful neglect of non-compliance of 15 USC 1681N. I have requested the method of verification several times from these agencies and they only reopen the investigation and send back a verified generic message. the companies have caused credit defamation by reporting thee inaccurate accounts and have failed to perform their due diligence to ensure they are reporting accurate information, had they performed their research they would of known national credit systems is not authorized in the state of NC to collect a debt.
Consumer complaint received 2024-01-11
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. (NC)

XXXX XXXX XXXX has a negative account reporting on my credit report, per the XXXX XXXX XXXX XXXX is not authorized to report in the boundaries of my state of North Carolina and the documentation is attached as well as I have sent National credit systems a letter requesting debt validation back on XX/XX/2023 and they just like the credit agencies have failed to verify the method of verification of all disputes as requested as well as XXXX XXXX XXXX has failed to validate the debt. 

XXXX, Transunion and XXXX are in violation of US USC 1681i ( 6 ) ( b ) ( iii ) and 15 usc 1681i ( 7 ) not providing the method of verification is a willful neglect of non-compliance of 15 USC 1681N. I have requested the method of verification several times from these agencies and they only reopen the investigation and send back a verified generic message. the companies have caused credit defamation by reporting thee inaccurate accounts and have failed to perform their due diligence to ensure they are reporting accurate information, had they performed their research they would of known national credit systems is not authorized in the state of NC to collect a debt.
Consumer complaint received 2024-01-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (WI)

Starting XX/XX/, I sent emails to MOHELA for repayment of student loan payments also tried to upload documents for the Public Service Loan Forgiveness application. I was not able to upload the required verification documents. I created an account as the US Dept of Education directed me to. I sent numerous emails that were not answered. I received two back one from each stating they would get back to me with a response. As of this date, I have had NO response from either agency! I have no idea where my loans stand, and no repayment plan. I have got NO HELP from anyone!! Im angry, as the interest keeps accruing interest. I need assistance and guidance in the process. Absolutely no communication from MOHELA or US Dept of Education!!

Thank you
Consumer complaint received 2024-01-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (GA)

I was making payments to another loan servicer ( XXXX ) when my loan was transferred to Mohela. There were 5 outstanding payments in the amount of {$60.00} each that were paid to XXXX when my account was being transferred. In XX/XX/2023, after being notified that my account was transferred to Mohela, I called Mohela immediately and inquired about the {$60.00} payments. At that point, they only had 1-2 of the payment. I made sure to explain that these payments should be applied to Loan 3. I called every month after checking on the payments to ensure that they were applied correctly. Despite my calls, Mohela misapplied 3 payments. 

In XX/XX/2023, I was advised that Loan 1 & 2 would be discharged due to my time working in the US military and in the public service. I realized that 2 payments were still missing, and I wanted to ensure that the payments would be applied correctly to Loan 3. I called Mohela and XXXX several times inquiring about the payments and making sure that the payments would be applied to Loan 3. Although XXXX transferred the amounts in XXXX, the payments did not post to my account until XX/XX/November2023. Additionally, the payments posted to the wrong loans : Loans 1 & 2. The payments were supposed to post to Loan 3.

Mohela was able to locate 1 misapplied payment and correct the misapplication before Loan 1 & Loan 2 were discharged. In fact, I am receiving a refund for this misapplication in the amount of {$32.00} and {$22.00}. However, Mohela failed to correct a {$60.00} misapplied amount until after the discharge ( Note : I am not sure about this because I have received different guidance from different Mohela reps about this. Per the rep today, the smaller refunded amounts do not reflect the misapplied payments. When I ask what they represent, she said the overpayment on the principal, but was not able to tell me how this overpayment occurred. ) Here is the issue : The {$60.00} was removed from Loan 2, which was discharged. They are refunding me the {$60.00} since I full paid Loan 3, and that payment should have applied to Loan 3. ( Note : This is similar to the refund of the {$32.00} and {$22.00}. ) Because the {$60.00} amount was misapplied, Mohela did not submit that amount in the Loan 2 discharge. They are in turn billing me for this same amount. I have explained that if they had properly applied all payments correctly, then the full amount for Loan 2 would have been submitted with the discharge and written off in Loan 2. Currently my account is about to be in Collection status. I would like to have this resolved before this takes a negative action and affects my employment and credit.
Consumer complaint received 2018-10-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (MI)

Chase Bank. 
Checking Account. 

On or around XX/XX/XXXX, I was alerted that my Chase account was overdrawn. I quickly made a check deposit online for {$200.00} to resolve the negative balance. It was my indication that the check would post the following business day XX/XX/XXXX. 
On XX/XX/XXXX I made several purchases including my medication at XXXX. Come to find out Chase had put an 8 DAY hold on a check they already knew was good. As a result I was charged 3 {$34.00} NSF fees which resulted in my balance going negative. I called Chase and the hold on the check was released, I was told the hold SHOULD NOT have been placed. I sent Chase a message via their secure message service requesting a refund of the NSF fees, I was essentially told I don't " qualify '' for a refund. I've been a Chase customer since the 1980 's, I've deposited $ 10s of thousands of dollars to them. I've recently been the victim of a theft from my Chase accounts. All I'm asking for is a measly {$100.00} refund.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

XXXX XXXX of XXXX XXXX the manager in fraud with Capital one stated this account is not mines he has no record of this account at all. This account was verified numerous times and I told XXXX multiple times this account was fraudulent. They kept it on my credit report for a year almost reporting fraud. Both Capital One and XXXX are reporting an account that was open fraudulently harming my credit resulting in me getting many denials and inquiries because of the payment history. Ill will show all the screenshots I have taken of my credit to prove I tried to get this account removed multiple times and tried various ways to get it removed. I also spent XXXX hr XXXX mins on the phone with them to get no results but ran around to 5 different departments. Just for them to say call XXXX to have to remove it we cant do anything for you. We dont deal with credit reports is what The manager stated of Capital One.
Consumer complaint received 2024-01-12
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. (NC)

Transunion originally fixed the payment history when i submitted dispute on XX/XX/XXXX. the late payment showed up again on credit in XXXX and i had to submit dispute again on XX/XX/XXXX. transunion failed to correct it from second dispute. XXXX XXXX XXXX already reimbursed the late fees and interest because it was their fault and XXXX and experian already corrected the payment history.
Consumer complaint received 2023-09-21
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. (FL)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-01-08
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Mercedes Benz Financial Services (FL)

RE : securities fraud Greetings, I applied for credit extension with Mercedes Bens Financial services for an automobile, on XX/XX/2023, I extended credit to MERCEDES BENZ FINANCIAL SERVICES and I received a denial. I have the right to credit, regardless of the reasons MERCEDES BENZ FINANCIAL SERVICES and/or their XXXX  ( XXXX ) cite, MERCEDES BENZ FINANCIAL SERVICES does not lend or extend credit without first receiving my extension, I have reasons to believe MERCEDES BENZ FINANCIAL SERVICES XXXX false pretense are misusing my securities and withholding my access to my own credit in the sub account created on their books bearing my XXXX, which not only constitutes aggravated identity theft and misuse of securities as XXXX not receiving valuable consideration for that security, but provides that MERCEDES BENZ FINANCIAL SERVICES XXXX and knowingly furnished misinformation regarding my capacity to contract and discriminated against me, as per the letter received dated : XX/XX/2023 which is both proof and evidence that I have been discriminated against, MERCEDES BENZ FINANCIAL SERVICES NA LLC is XXXX EQUAL CREDIT OPPORTUNITY ACT, TRUTH IN LENDING ACT and CONSUMER PROTECTION ACT. 

Most importantly MERCEDES BENZ FINANCIAL SERVICES is not in compliance with their own SEC  fillings, if MERCEDES BENZ FINANCIAL SERVICES NA LLC wont honor their own prospectus it leaves me with no option than to transfer the complaint further to SEC and FTC as this is my last attempt to amicably resolve this matter.
Consumer complaint received 2018-10-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Cascade Capital, LLC (TX)

I have an account that was reported to my XXXX credit report by XXXX XXXX XXXX in the amount of {$450.00} this account is owned by a debt buying company called cascade capital. It was originally reported by a company called XXXX XXXX XXXX XXXX in the amount of {$310.00} after I sent a debt validation letter to XXXX XXXX XXXX XXXX it was sent back to Cascade capital and was re assigned to XXXX XXXX XXXX and reported to XXXX. I contacted XXXX XXXX XXXX today XX/XX/XXXX about this alleged debt and spoke to a lady named XXXX XXXX who tried to offer me a pay for delete for this alleged debt I informed her that I have been a victim of identity theft and trying to verify these debts on my credit report once she realized was not interested in paying this debt she became rude saying I don't care what you do ill note your account as a refusal to pay and blew me off after she realized I had no intention of paying. This account is was past the statue of limitations in the State of Texas and I just wanted info I do not think it is right for whenever you try to validate a debt instead of doing so the debt is moved around.
Consumer complaint received 2024-01-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (NY)

I have attempted to make payment every month since they restarted in XXXX. Aidvantage says I didnt make the payment. They never take it out of my account, then say its late
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

I have sent my identification 2 times via USPS First class mail and will upload it again in this complaint along with the letter you have sent requesting my identification which is burdensome as I have already sent it to you. 

I disputed because my privacy rights are being violated and the basis of my dispute is in accordance with FCRA 602 and 604 ( A ) which states a consumer reporting agency can not Furnish an account without my written instructions. 

I also requested the Method of Verification under FCRA 611 ( a ) ( B ) 6 ( iii ) requesting the name of the person ( s ) you spoke with along with their addresses and telephone numbers and the procedures used to come to the conclusion that my privacy rights are not being violated when my dispute was verified updated. 

Additionally, Equifax has failed to honor my request in 15 days which is required under FCRA 611 ( A ) ( 7 ) as this also means that Equifax may owe me {$1000.00} due to this violation which Equifax failed to respond in timely manner. 

Please remove the accounts listed below immediately they are violating my privacy rights under FCRA 602 and FCRA 604 ( A ). 


Trade : XXXX XXXX # XXXX. 
Trade : XXXX XXXX XXXX.